Portable e-wallet and universal card

ABSTRACT

Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card.

CROSS REFERENCE TO RELATED APPLICATION

This application is a continuation-in-part of U.S. patent applicationSer. No. 13/438,131 filed Apr. 3, 2012, which is a continuation-in-partof U.S. patent application Ser. No. 13/359,352 filed Jan. 26, 2012,which is a continuation-in-part of U.S. patent application Ser. No.13/310,491 filed Dec. 2, 2011 and a continuation-in-part of U.S. patentapplication Ser. No. 12/715,977 filed Mar. 2, 2010. The contents ofwhich are herein incorporated by reference in their entirety.

TECHNICAL FIELD

The presently disclosed subject matters relates to universal cards,mobile applications, and mobile devices such as mobile phones, PersonalDigital Assistants (PDAs), iPods, tablet computers, laptop computers,and similar mobile devices. More particularly, the subject matterrelates to a universal card which can be used at any type of terminalequipped with a magnetic stripe reader or a short range wirelesscommunication capability.

BACKGROUND

People carry many types of cards with them every day. The cards includecredit cards, debit cards, drivers' licenses, transportation passes,building access cards, and many other types of cards. These cards aretypically carried in a wallet or purse. A person may need to use anynumber of cards during the course of a day. Since people do not knowwhich of the cards will be needed on any given day, most people carryall the cards that they may need with them every day. With theproliferation of card-capable terminals, people can end up carrying aninordinate amount of cards with them every day.

Many people also carry mobile devices with them, such as cell phones,PDAs, tablet computers, laptop computers, and many other types of mobiledevices. Mobile devices increasingly have short range communicationcapabilities, such as near field communication (NFC) capabilities orBluetooth capabilities.

A person that carries a wallet or purse also has to secure the contentsof the wallet or purse at all times to protect against theft and fraud.If a card is lost or stolen, it can be used in unauthorized ways,leading to identification theft, fraud, or financial loss. In addition,as many transactions are increasingly performed without the need forphysically possessing the card (e.g., online purchases), the mereexposure of the information found on a card to an unauthorized person isa risk to the card holder.

There is a need to reduce the number of cards carried by a person, andan opportunity to address that need using the short range communicationcapabilities of a mobile device which that person carries. In addition,there is a need to secure cards and card information so that cards andcard information is not exposed to unauthorized people.

SUMMARY

To reduce the number of cards carried by a person, a universal card andshort range communication enabled mobile device can be used in place ofall the other cards which the person may want to carry. The universalcard can include a short range communications transceiver to communicatewith a mobile device. The mobile device can include a user interface andan e-wallet application so that the user can interface with the e-walletapplication for programming the universal card via the short rangecommunication link. Once programmed, the universal card emulates afunction of a traditional card, such as emulating the magnetic stripe ofthe traditional card, the NFC communication of the traditional card, theradio transmission of the traditional card, or any other function.

BRIEF DESCRIPTION OF THE DRAWINGS

The foregoing Summary, as well as the following Detailed Description, isbetter understood when read in conjunction with the appended drawings.In order to illustrate the present disclosure, various aspects of thedisclosure are shown. However, the disclosure is not limited to thespecific aspects shown. The following figures are included:

FIG. 1 depicts an exemplary system including a mobile device and auniversal card.

FIG. 2 depicts a traditional card with a static magnetic stripe.

FIG. 3 depicts a flowchart process for programming a universal card.

FIG. 4 depicts interactions between a mobile device and a universalcard, and between a universal card and three different types ofterminals.

FIG. 5 depicts an exemplary system including a personal computer, amobile device, and a universal card.

FIG. 6 depicts a flowchart process for managing universal card datausing a mobile device.

FIG. 7 depicts a flowchart process for managing universal card datausing a personal computer.

FIGS. 8A, 8B, 8C, and 8D depict possible designs for the front of auniversal card.

FIG. 9 depicts a possible design for the back of a universal card.

FIGS. 10A and 10B depict an embodiment of a universal card with anintegrated circuit.

FIGS. 11A and 11B depict an embodiment of a universal card with a secureelement.

FIGS. 12A and 12B depict an embodiment of a universal card with anintegrated circuit and a secure element.

FIG. 13 depicts an embodiment of a universal card with a powerindicator.

FIG. 14 depicts an embodiment of a universal card with an activationswitch.

FIGS. 15A and 15B depict ways to add traditional card data to a secureelement of a universal card.

FIG. 15C depicts a way to add traditional card data to a secure elementof a mobile device.

FIG. 16 depicts an exemplary electronic card data delivery system.

FIG. 17 depicts an exemplary method of providing card data to auniversal card.

FIG. 18 depicts embodiments of a system and method of securely loadingcard data onto a universal card that has a secure element

FIGS. 19A, 19B, and 19C depict several embodiments of systems andmethods for providing card encrypted to a mobile device for transmissionto a universal card with a secure element.

FIG. 20 depicts an embodiment of a method of securely transferringsecure card data to a universal card and non-secure card data to amobile device.

FIGS. 21A and 21B depict embodiments of a mobile device obtaining andusing RF card data in conjunction with a universal card.

FIG. 22 depicts an embodiment of a system and method of using auniversal card as a proxy card.

FIG. 23 depicts an embodiment of a system and method of using auniversal card as a proxy card when a mobile device is unable tocommunicate with a proxy card server.

FIG. 24, depicts an embodiment of a method of using a universal card ina proxy card transaction.

DETAILED DESCRIPTION OF ILLUSTRATIVE EMBODIMENTS

Referring to FIG. 1, an exemplary system is depicted with a mobiledevice 100 and a universal card 110. The mobile device 100 can be anynumber of devices, including a cell phone, a PDA, an iPod, a tabletcomputer, an NFC-specialized device, or any other type of mobile device.An NFC-specialized device is a device that provides for the user to beable to communicate with NFC terminals, such as making a contactlesspayment, and would also provide a user with a user interface forinteracting with an NFC-enabled universal card. The mobile device 100may include any number of components, such as a processor 101, memory102, a power source 103, a user interface 104, and a short rangetransceiver 106. Memory 102 can be any type of computer storage media inthe form of volatile and/or nonvolatile memory such as read only memory(ROM) and random access memory (RAM). Processor 101 can operate on dataand/or software applications available in the memory 102. The userinterface 104 can include any components for user input, such as akeyboard, a mouse, a trackball, a touch screen display, or any similarcomponent. The user interface 104 can also include security features onthe mobile device, such as a PIN/password login, a fingerprint scanner,other biometric readers, or similar security features.

The mobile device 100 also includes an e-wallet application 105 which isexecutable by the processor 101. The e-wallet application 105 can bepre-installed on the mobile device 100 by the manufacturer of the mobiledevice 100. The e-wallet application 105 can also be installed by theuser either by downloading it directly to the mobile device 100, bydownloading the e-wallet application 105 over-the-air via a wirelessdata connection, or by inserting a memory card containing the e-walletapplication 105.

The e-wallet application 105 allows the user to input information abouttraditional cards for storage in the memory 102. Information abouttraditional cards can include an account name, an account number, anexpiration date, a card verification value 2 (CVV2), the image of thetraditional card, the information which would be stored on the magneticstripe of the traditional card, and any other information necessary toemulate the card. The information about traditional cards can also bestored in a remote location, such as a trusted service manager (notshown), which stores the information and provides the information to themobile device 100 on demand via wireless data communication. In thiscase, the e-wallet application 105 would interface with the remotelocation to request and receive the information.

The e-wallet application 105 can also be used to program the universalcard 110 by allowing the user to select a traditional card for theuniversal card to emulate. The universal card 110 can be configured toemulate any number of traditional cards, including credit cards, debitcards, drivers' licenses, transportation passes, building access cards,and any other types of cards. Once the user selects a card foremulation, the e-wallet application 105 causes the mobile device tocommunicate with the universal card and to transmit the informationnecessary for the universal card to emulate the selected traditionalcard.

In another universal card embodiment, the information about thetraditional card could be stored in the memory 115 of the universal card110. In this embodiment, if the universal card 110 has a user interfacewith sufficient capabilities, the user may be able to program the cardby using the user interface on the universal card 110.

The short range transceiver 106 can be configured to communicate via anytype of short range communication link, such as an NFC communicationlink or a Bluetooth communication link. The mobile device 100 may bemanufactured with the short range transceiver 106. However, not allmobile devices are initially manufactured with short range transceivers.The short range transceiver 106 may be located on a memory cardcompatible with a memory slot of the mobile device 100. In thissituation, the memory card with the short range transceiver 106 isinserted into the memory slot (not shown) of the mobile device 100 suchthat the mobile device can transmit and receive information using ashort range communication link corresponding to the short rangetransceiver 106.

Another issue with the short range transceiver 106 may arise if theshort range transceiver 106 of the mobile device and the short rangetransceiver 116 of the universal card 110 are not configured for thesame type of short range communication. For example, mobile device 100may have a Bluetooth transceiver, and the universal card 110 may have anNFC transceiver. In such a situation, the short range transceiver 106would be a two-type transceiver, capable of communicating via both typesof short range communication. In the example above, the short rangetransceiver 106 would be capable of receiving information via theBluetooth link from the mobile device 100, and also capable of sendingthat information via the NFC link to the universal card 110. The shortrange transceiver 106 would also be capable of communicating in theopposite direction, receiving information via the NFC link from theuniversal card 110 and sending that information via the Bluetooth linkto the mobile device 100. One example of a two-type transceiver is aMyMax sticker produced and sold by TwinLinx of France. The MyMax stickercan be attached to the housing of a Bluetooth-enabled device, cancommunicate with the device via a Bluetooth connection, and cancommunicate via an NFC connection with an NFC-enable device.

Also depicted in FIG. 1 is a universal card 110. The universal card 110may include components such as a display 112, a power source 113, aprocessor 114, and memory 115. Each of those components are similar infunction to the corresponding components of the mobile device 100,except that the component of the universal card 110 may be physicallyconfigured differently so as to fit in the shape of the universal card110. For example, the display 112 of the universal card 110 may beintegrated into universal card 110 via hot lamination processes andstandard inlay constructs so that the universal card 110 will be theapproximate shape and size of a traditional credit card and generallycompliant with ISO 7810 standards.

The universal card 110 may also include a dynamic magnetic stripe 111which can be configured to emulate the magnetic stripe of anytraditional card. The standard magnetic stripe format is defined byISO/IEC 7810:2003, and its extensions, including ISO/IEC 7811-1:2002through ISO/IEC 7811-9:2008, and ISO/IEC 7813:2006, each of which arehereby incorporated by reference. Traditional magnetic stripes include aseries of tiny bar magnets which can be magnetized in either a north- orsouth-pole direction. When the polarity of the bars aligns in the samedirection, the card is blank. To write data to the card, the polarity ofa bar is reversed so that the north pole is facing the north pole of theadjacent bar (N-N) or the south pole is facing the south pole (S-S).This causes a change in the magnetic field that can be detected by acard reader. The two possible flux reversals, N-N or S-S, can representtwo different information states, which corresponds nicely to the binarysystem (ones and zeros) used by computers.

Magnetic stripes have three standard track layouts: Track 1, Track 2,and Track 3. Referring to FIG. 2, depicted is a traditional card 201with a static magnetic stripe 202. The static magnetic stripe includeseach of Tracks 1, 2, and 3, shown as 203, 204, and 205, respectively.Each of the track layouts are 0.110 inches high. Track 1 has 210 bitsper inch (bpi) with room for 79 characters of 7 bits each (6 data bits,plus 1 parity bit). Track 2 has 75 bpi with room for 40 characters of 5bits each (4 data bits, plus 1 parity bit). Track 3 has 210 bpi withroom for 107 numeric digits. Tracks 1 and 2 have a standard for the datacontent contained in each track. Those standards are shown in Tables 1and 2 below. In contrast, Track 3 does not have a standard for the datacontent in the track, and can be used for proprietary data formats.

TABLE 1 Standard Track 1 Data Content in Magnetic Stripe of FinancialCards Data Field Content of Data Field Start sentinel 1 byte (the %character) Format code 1 byte alpha (“A” is reserved for proprietary useof the card issuer; “B” is a standard for financial institutions;“C”-“M” are reserved for use by ANSI; and “N”-“Z” are available for useby individual card issuers) Primary Account number Up to 19 charactersSeparator 1 byte (the {circumflex over ( )} character) Country code 3bytes (optional) Surname Variable number of bytes Surname separator 1byte (the / character) First name or initial Variable number of bytesSpace 1 byte (used only when more data follows the first name orinitial) Middle name or initial Variable number of bytes Period 1 byte(the . character; used only when followed by a title) Title Variablenumber of bytes (optional) Separator 1 byte (the {circumflex over ( )}character) Expiration date 4 bytes (YYMM format), or a 1-byte orseparator separator if non-expiring card Discretionary data Variablenumber of bytes (optional; can be used by the card issuer) End sentinel1 byte (the ? character) Longitudinal 1 byte redundancy check

TABLE 2 Standard Track 2 Data Content in Magnetic Stripe of FinancialCards Data Field Content of Data Field Start sentinel 1 byte (the ;character) Primary account number Up to 19 bytes Separator 1 byte (the =character) Country code 3 bytes (optional) Expiration date or separator4 bytes (YYMM format), or a 1-byte separator if non-expiring cardDiscretionary data Variable number of bytes (optional; can be used bythe card issuer) End sentinel 1 byte (the ? character) Longitudinalredundancy check 1 byte

Traditional financial cards from the banking industry, such as creditcards and debit cards, typically use both Tracks 1 and 2, with Track 2using format code “A” or “B”. Some traditional credit and debit cards donot have Track 3 physically present on the cards as its data is notnecessary for the cards' use. Eliminating Track 3 can reduce thephysical size of the magnetic stripe. Traditional financial cardsusually include all of the data listed in Tables 1 and 2.

Traditional gift cards typically use Track 2 with format code “B”. Thosecards usually have a unique account number, but usually do not containthe name of the user in the track. Some traditional gift cards caninclude the amount available at the time of the original purchase in themagnetic track, and some will store the current balance on the card sothat the card can be used at any terminal However, most traditional giftcards do not have any value data stored on the card; the card merelystores the unique account number, and each terminal at the store isconnected to a database, where the value of the card is associated withthe unique account number.

Traditional loyalty cards typically use Track 2 with format code “B”.Like traditional gift cards, traditional loyalty cards typically includeonly a unique account number without storing any data about the user orany monetary value associated with the card. Most terminals which acceptloyalty cards are connected to a central database which associates dataabout the user with the unique account number. Some traditional loyaltycards also include a barcode printed on the face of the card so that thecard can be read by a barcode scanner. The barcode is representative ofthe unique account number of the user, and typically has no other dataencoded in the barcode itself.

Many driver's licenses issued in the United States have a magneticstripe on them. Driver's licenses typically include Tracks 1, 2, and 3.The data content of Tracks 1 and 2 are shown in Table 3. The datacontent of Track 3is not entirely standardized, but Track 3 typicallyincludes at least some of the following data categories: templatenumber, security number, postal code, class, restrictions, endorsements,sex, height, weight, hair color, eye color, ID number, error correction,and security field.

TABLE 3 Standard Track 1 and Track 2 Data Content of US Driver'sLicenses Content of Data Field Track 1 Data Fields Start sentinel 1character (usually the % character) State or province 2 characters CityUp to 13 characters (variable length) Field separator 1 character(usually the {circumflex over ( )} character), unless the City field ismaxed out Last name Variable length Field separator 1 character (usuallythe $ character) First name Variable length Field separator 1 character(usually the $ character) First name Variable length Field separator 1character (usually the {circumflex over ( )} character) Home addressVariable length (usually house number and street) Field separator 1character (usually the {circumflex over ( )} character) Discretionarydata Variable length Start sentinel 1 character (usually the {circumflexover ( )} character) Track 2 Data Fields ISO issuer ID number 6character License/ID number 8 character Field separator 1 character(usually the = character) Expiration date 4 characters (usually YYMMformat) Birth date 8 characters (usually YYYYMMDD format) License/IDVariable length number overflow

Traditional access cards are used to provide access to the card holderto a building or other secure area. Traditional access cards typicallyuse either a magnetic stripe or a radio transmitter to conveyinformation to a terminal. When using a magnetic stripe, the dataencoded on the magnetic stripe typically includes the user's name, an IDnumber associated with the user, and an access level relating to whereand when the user is allowed access. When using a radio transmitter, theaccess card typically only includes an ID number associated with theuser, and the access terminal is connected to a database which containsinformation about the user and the access level based on the ID number.Radio transmitters in access cards can either be “active” radiotransmitters (powered by a power source on the card), or “passive” radiotransmitters (powered by the radio receiver in the terminal when thecard is brought into close proximity with the terminal).

Referring back to FIG. 1, universal card 110 can also include a radiocommunications apparatus 117 to emulate an access card which uses aradio communications apparatus. Radio communications apparatus 117 caneither be a passive radio transmitter, or an active radio transmitterpowered by power source 113. The ID number transmitted by the radiocommunications apparatus 117 can be programmed so that the universalcard can programmed to emulate different traditional access cards. Whenprogramming the universal card 110 to emulate an access card, it may bedesirable to verify the identity of the user prior to programming theuniversal card 110. Examples of user verification are discussed below.

Other types of traditional cards exist and can be emulated by universalcard 110. Examples of dynamic magnetic stripes are shown in US PatentApplication Publication 2005/0194452, applied for by Nordentoft et al,and 2007/0189581, applied for by Nordentoft et al. In these examples,individually inducible transducer coils are positioned within auniversal card and are configurable to emulate the static magnets in atraditional magnetic stripe. The dynamic magnetic stripe 111 of theuniversal card can be configured to emulate any traditional staticmagnetic stripe, including any data or data format used by a staticmagnetic stripe. Thus, even if a data content format is not discussedhere, dynamic magnetic stripe 111 would be capable of emulating the datacontent format not discussed here.

Universal card 110 may include a biometric security device 118, such asa fingerprint reader, a microphone for voice identification, or otherdevice for input during biometric identification. The use of suchbiometric identification for security is discussed below.

Referring now to FIG. 3, depicted is a flowchart process for programminga universal card. To initiate power on the universal card (UC) the usermay be required to take an action that may include pushing a button oncard to turn it “on”, is tapped 301, or any other similar technique. Theuniversal card's power is verified 302. If the power is not on, the userwill repeat the action to initiate power 301 on the universal cardagain. If the power is on, the universal card and the mobile device arepaired 303, establishing the short range communication link 120 (asshown in FIG. 1). The pairing is verified 304, with the pairing 303attempted again if the pairing is not successful. Once paired, ane-wallet application on the mobile device is automatically launched 305.If the e-wallet application is not automatically launched 306, it can bemanually launched 307 on the mobile device.

Before allowing access to view, change or modify the financial dataassociated with the e-wallet program 105 on the mobile device 100 or onthe universal card 110, the user must first be authenticated 308.Authentication can take a number of forms. One form of authenticationcan be verification of something that the user has in their possession.In this context, one security feature could be that the mobile device100 can only be paired with one universal card 110, and the universalcard 110 will only pair to one mobile device 100. For example, if auser's mobile device 100 is lost or stolen, the universal card 110 willnot pair with any other mobile device. Thus, any personal cardinformation stored on the universal card 110 will not be accessible byanother mobile device.

Another form of user authentication can be verification of somethingthat the user knows. This can be a personal identification number (PIN),a unique identification of the user (such as a social security number),a fact about the user (such as the maiden name of the user's mother), apassword, or anything else that the user can input. Yet another form ofuser authentication is something about the user. This can include afingerprint, a voice identification, or other verifiable biometric.

While each of these forms of authentication can alone authenticate theuser, it may be desirable to require at least two forms ofauthentication to ensure increased security. For example, the mobiledevice 100 and the universal card 110 may authenticate each other asbeing paired; however, this fact alone does not ensure that the personoperating the devices is the authentic user. In this case, it may beadvantageous to require the user to enter a password to verify that theuser is authentic. In some instances, the issuer of the card may imposeadditional requirement depending on the circumstances that the card isbeing used. For example, if the card is being used to make a paymentover a certain value, if the card is being used in a foreign country, orif the card issuer has reason to suspect that the use of the card isunauthorized, the issuer may require another level of authentication. Inthis case, if the initial authentication included pairing authenticationand a user password, the issuer may require an additional biometricauthentication.

Any user input required for authentication can be entered into eitherthe universal card 110 or the mobile device 100. The universal card 110may have a user interface (not shown), an optional biometric securitydevice 118, or other input mechanism which allows the user to input therequired value. Similarly the mobile device 100 may have a userinterface 104, an optional biometric security device (not shown), orother input mechanism.

Once the user authentication 308 occurs (e.g., a password is entered),the authentication is verified 309 (the entered password is verified).If the authentication was not successful, user authentication 308 can beattempted again. If the authentication is successful, the user isprompted to select 310 an action for programming the universal card.

Notwithstanding the foregoing, it should be clear to a person skilled inthe art that radio interfaces 120, 410, 430, 450, 510, and 520 may besubject to eavesdropping or other intrusive information breaches can beprotected by data encryption technologies public key, private key andother known and standard methods of radio protection.

The universal card can be programmed in many ways, including threedistinct modes. First, the universal card can be programmed in a “dummycard” mode, where the universal card does not itself store any of theinformation required for emulation of a traditional card. In this case,the user must use the mobile device to program the universal card foreach use of the card. Once the universal card is used once asprogrammed, it would not retain that programmed setting, and it wouldrequire re-programming if it were to be used again. Second, theuniversal card can be programmed in a “temporary card” mode, where theuniversal card stores only one set of information required foremulation. The user utilizes the mobile device to program the card toemulate a specific card either for a set amount of time or number oftransactions. Once programmed in this mode, the universal card wouldremain programmed to emulate that one card for the set time or thenumber of transactions. If the user wanted to change the universal cardto emulate a different card, the user would need to reconnect the mobiledevice to reprogram the card. Third, the universal card can beprogrammed in a “default card” mode, where the universal card alwaysemulates a specific card, unless programmed otherwise. In this mode, theinformation of the default card is saved in the universal card and theuniversal card is always configured to emulate the default card, unlessthe user re-programs the universal card to temporarily act as anothercard or to change to a new default card.

It may also be possible to program the universal card in different modesfor the various ways in which the universal card can be used. Forexample, a universal card which has both a dynamic magnetic stripe andan NFC transceiver can be used to interface with both magnetic stripereaders and NFC-equipped terminals. The user may use the universal cardas a public transportation pass which makes fare payments to anNFC-equipped terminal, and as a credit card with a magnetic stripereader. In such a case the user may program the NFC transceiver tooperate in a “default card” mode, always capable of emulating the publictransportation pass, but program the dynamic magnetic stripe in a “dummycard” mode where the user must program the universal card with aspecific credit card to emulate before each transaction.

Once the user selects 310 an action for programming, the data requiredfor the programming action is determined 311. In order for the universalcard to be programmed to emulate a magnetic stripe of a payment card,the universal card would need all the data required to be in the dynamicrequired stripe. The data could include all the information needed tofill Track 1 and Track 2, as discussed above and shown in Tables 1 and2. The required data may be stored on the mobile device, the universalcard, or a remote location such as a trusted service manager. If it isdetermined 312 that the required data is not available, the user isprompted to select 310 another action for programming.

If the required data is available, the universal card is programmed 314to emulate the selected card with the required data. If the requireddata is stored only on the mobile device, the programming 314 willinclude transmitting the required data to the universal card via theshort range communication link. If the required data is stored on theuniversal card, the programming 314 need only include configuring theappropriate device (e.g., dynamic magnetic stripe, short rangetransceiver, radio transmitter, etc) properly for emulation.

Referring to FIG. 4, depicted are interactions between the mobile device100 and the universal card 110, and between the universal card 110 andthree different types of terminals 400, 420, and 440. As discussedabove, the mobile device 100 communicates with the universal card 110via a short range communications link 120 to program the universal card110 for emulation of traditional cards. The universal card 110, in turn,can communicate with terminals 400, 420, and 440 in a number of ways. Itis important to note that, once universal card 110 is programmed, theshort range communications link 120 between the mobile device 100 andthe universal card 110 need not be established for the universal card110 to interact with the terminals 400, 420, and 440.

Terminal 400 is equipped with a magnetic stripe reader 401 which canread the dynamic magnetic stripe 111 of the universal card 110 when itis swiped 410 through the magnetic stripe reader 401. The magneticstripe reader 401 can read any of the data written to the dynamicmagnetic stripe 111. Terminal 420 is equipped with a short rangetransceiver 421 which can establish a short range communication link 430between the universal card 110 and the terminal 420. Any required datacan be transmitted from the universal card 110 to the terminal 420 viathe short range communication link 430. Terminal 440 is equipped with aradio receiver 241 which can receive data sent from the radiotransmitter 117 of the universal card 110. Any required data can betransmitted from the universal card 110 to the terminal 440 via theradio link 450.

One potential problem with the e-wallet software 105 on the mobiledevice 100 is that large amounts of information may need to be inputtedinto the e-wallet software 105. The user interface 104 may not beconvenient for entry of the large amounts of information. Also,management of the information in the e-wallet software 105 may also notbe convenient via the user interface 104. To address this issue, apersonal computer 500 can be used.

Referring to FIG. 5, depicted is an exemplary system including thepersonal computer 500, the mobile device 100, and the universal card110. The personal computer can include a processor 501, memory 502, apower source 503, a user interface 504, the e-wallet software 505, and acommunications port 506. The processor 501, memory 502, power source503, and user interface 504 are all similar in function to thecorresponding components of the mobile device 100, as discussed above.The e-wallet software 505 can be the same or similar to e-walletsoftware 105 of the mobile device 110. The user may enter data andmanage the card data in e-wallet software 505 in the same way the userwould use e-wallet software 105.

When the user enters data or makes changes in the management of e-walletsoftware 505, the e-wallet software 105 on the mobile device 100 must beupdated to reflect the new and/or changed data. In order to make theseupdates, a communication link 510 can be established between thecommunication port 506 of the personal computer 500 and thecommunication port 107 of the mobile device 100. The communication link510 can be any type of wired or wireless link, including a serial cable,a wired or wireless local area network (LAN), a wired or wireless widearea network (WAN), a short range communication link, a radio link, orany similar connection. Alternatively, a communication link 520 can beestablished between a short range transceiver 507 of the personalcomputer 500 and the short range transceiver 106 of the mobile device100.

Once a communication link is established between the personal computer500 and the mobile device 100, the data in e-wallet software 505 and thee-wallet software 105 can be synchronized. It is important to note thatthe short range communication link 120 between the universal card 110and the mobile device 100 need not be active for the link 510 or thelink 520 to be established between the personal computer 500 and themobile device 100.

Referring to FIG. 6, depicted is a flowchart process for managinguniversal card data using mobile device 100. The e-wallet software islaunched 601 on the mobile device. Before the user is given access tothe e-wallet software, the user must first login and be authenticated602. Authentication here can be the same or similar to the forms ofauthentication discussed above. A determination is made whether theauthentication is successful 603. If not successful, the user isprompted to login and authenticate 602 again. If the authentication issuccessful, the user is allowed to control 604 the e-wallet software auser interface of the mobile device.

The control 604 of the e-wallet software includes anything that the usermay need to do to prepare for programming the universal card or toprogram the universal card. The user can enter data associated with atraditional card or with a financial account. The user can manage theentered data such as by naming a particular account or traditional card,setting a default card, or any other management action needed.

After the user enters data, the data is verified 605. The verificationcan include determining whether sufficient data has been entered foremulation of a traditional card, or whether the data entered matches thedata of the card issuer. If the data is not verified, the user isallowed to reenter data 604. If the data is verified, the data isencrypted 606 for storage. Encrypting the data for storage is anotherform of security, as someone that gains access to the encrypted datacannot recover the entered data without knowing how to decrypt theencrypted data. After the data is encrypted, the encrypted data can bestored 607 to the mobile device.

A determination 608 is made as to whether the encrypted data should beuploaded to the personal computer. If the encrypted data will not beuploaded, no further action is required. If the encrypted data will beuploaded to the personal computer, the communication connection betweenthe mobile device and the personal computer is either established orchecked 609. If the connection to the computer is not verified 610,another attempt to establish 609 the connection can be attempted. Oncethe connection to the computer is verified 610, the encrypted data canbe uploaded and saved 611 to the personal computer.

Referring to FIG. 7, depicted is a flowchart process for managinguniversal card data using personal computer 500. Many of the steps aresimilar to those depicted in FIG. 6. The PC version of the e-walletsoftware is launched 701. The user goes through login and authentication702 which is verified 703. Once the user authentication is verified, theuser can control 704 the e-wallet software via a user interface of thepersonal computer. The control on the personal computer is the same asthe control on the mobile device, except that the user may prefer to usethe user interface of the personal computer to the user interface of themobile device.

Data entered on the personal computer can be verified 705. Onceverified, the data is encrypted 706 for storage. The encrypted data isstored 707 on the personal computer. A determination 708 is made as towhether the encrypted data should be uploaded to the mobile. If theencrypted data will not be uploaded to the mobile device, the no furtheraction is required. If the encrypted data will be uploaded, thecommunication connection between the mobile device and the personalcomputer is either established or checked 709. If the connection to thecomputer is not verified 710, another attempt to establish 709 theconnection can be attempted. Once the connection to the computer isverified 710, the encrypted data can be uploaded and saved 711 to themobile device.

The visible sides of a universal card may be designed in a number ofways to provide a user with access to information or components of theuniversal card. FIG. 8A depicts one design of the front of a universalcard 800. The front of the universal card 800 can have a brand area 801which can be used to identify the brand of the universal card issuer,the brand of a wireless carrier, the brand of a sponsor, any otherbrand, or any combination of those brands. The front of the universalcard 800 can have the name of the card holder 802 on the face of thecard to identify the user. The front of the universal card 800 can alsohave a display 803 which could be used at various times to display anaccount number, an expiration date, a card issuer logo, any otherinformation, or any combination of these types of information. The frontof the universal card 800 could also include a biometric security reader804, such as a fingerprint reader, which is used to authenticate theuser.

FIGS. 8B, 8C, and 8D depict other possible designs for the front of auniversal card. FIG. 8B depicts the front of a universal card 810 whichis similar to the front of universal card 800, including a brand area811, the name of the card holder 812, a display 813, and a biometricsecurity reader 814. The front of the front of the universal card 810can also have an EMV chip 815 which is a required component of cards insome markets including some European markets. FIG. 8C depicts the frontof a universal card 820 which is similar to the front of universal card800, including a brand area 821, the name of the card holder 822, and abiometric security reader 824; however, the front of universal card 820does not include a display. FIG. 8B depicts the front of a universalcard 830 which similar to the front of universal card 800, including abrand area 831, the name of the card holder 832, a display 833, and abiometric security reader 834. The front of universal card 830 alsoshows that the name of the card holder 832 and the display 833 can belocated in various locations on the front of a universal card.

FIG. 9 depicts one design of the back of a universal card 900. The backof universal card 900 can include a dynamic magnetic stripe 901 forinteracting with a terminal, a signature area 902 which displays thesignature of the card holder, and a brand area 903. Similar to the brandarea 801 described above, brand area 903 can be used to identify thebrand of the universal card issuer, the brand of a wireless carrier, thebrand of a sponsor, any other brand, or any combination of those brands.

FIGS. 10A and 10 depict an embodiment of a universal integrated circuitcard. In general, an integrated circuit card (also sometimes referred toas a “contact card,” an “IC card,” a “chip and PIN card,” an “EMV card,”and so forth) is a card that has an embedded integrated circuit and canbe authenticated automatically using a PIN. To reduce fraud, banks andretailers are replacing traditional magnetic stripe equipment withintegrated circuit cards. When a customer wishes to pay for goods usingthis system, the card is placed into a “PIN pad” terminal or a modifiedswipe-card reader, which accesses the chip on the card. Once the cardhas been verified as authentic, the customer enters a PIN, which issubmitted to the chip on the integrated circuit cards. The chip verifieswhether the PIN is correct and replies accordingly to the terminalIntegrated circuit cards have been effective to significantly cutcard-present (face-to-face) fraud.

The EMV standard is one standard that has been developed for integratedcircuit cards; the EMV standard defines the physical, electrical, data,and application interactions between an integrated circuit card and theterminal. As mentioned above, an EMV chip is a required component ofcards in some markets including some European markets. Other forms ofintegrated circuit cards, such as the Chip and PIN system, are used inother markets.

Increasingly it is becoming important for US citizens to have a cardwith both a magnetic stripe and an integrated circuit, so that when aperson is traveling internationally it is easier for them to pay with aUS credit card. In many countries, merchants reject credit cards withonly a magnetic stripe. Thus, in order for a universal card to be usableworld-wide, it must also include an integrated circuit. One difficultywith including an embedded integrated circuit with a universal card isthat the integrated circuit can be associated only with a single creditor debit card.

Referring back to FIGS. 10A and 10B depict an embodiment of a universalintegrated circuit card 1000. The universal integrated circuit card 1000has a front 1010 that can include an EMV chip 1011. The front of thecard 1010 can also include features such as the card holder's name 1012,a display 1013, and a brand area 1014. The universal integrated circuitcard 1000 also has a back 1020 that can include a dynamic magneticstripe 1021. The back of the card 1020 can also include features such asa signature area 1022 and a brand area 1023. The universal integratedcircuit card 1000 can include any or all of the features described abovewith respect to universal card 110. Thus, the universal integratedcircuit card 1000 can communicate with a mobile device be programmed toemulate traditional magnetic stripe cards using the dynamic magneticstripe 1021, and the universal integrated circuit card 1000 can interactwith point-of-sale terminals that include magnetic stripe readers, shortrange transceivers, radio communication apparatuses, and the like. Inaddition, the EMV chip 1011 of universal integrated circuit card 1000can be associated with a default credit or debit card. In thisconfiguration, the universal integrated circuit card 1000 can be usedwith the default credit or debit card associated with the EMV chip 1011at any terminal that requires an EMV chip and the universal integratedcircuit card 1000 can be used to emulate any other card using thedynamic magnetic stripe 1021, a short range transceiver (not shown), aradio communication apparatus (not shown), or similar communicationmechanism.

When a user orders or otherwise obtains a universal card 1000, the usercan select or order a universal card 1000 that has an EMV chip 1011associated with a particular default credit or debit card. The defaultcredit or debit card associated with the EMV chip 1011 can be the sameor different from a default card associated with the dynamic magneticstripe 1021. For example, the user may have a VISA credit card that isthe default card for the dynamic magnetic stripe 1021 and the same VISAcredit card may be the default card associated with the EMV chip 1011.In this example, the user is accessing the same VISA credit card whetherthe transaction uses the EMV chip 1011 or whether the transaction usesthe default card associated with the dynamic magnetic stripe 1021. Inanother example, the user may have a DISCOVER credit card that is thedefault card for the dynamic magnetic stripe 1021 and the user may havea MASTERCARD credit card that may be the default card associated withthe EMV chip 1011. This example may be ideal for a user who lives in theUnited States and frequently wants to use the DISCOVER credit card forpurchases at magnetic swipe terminals in the United States, but alsofrequently travels to Europe and wants to use the MASTERCARD credit cardfor purchases at EMV terminals in Europe. In either example, while theEMV chip may not be dynamically programmable, the universal integratedcircuit card 1000 would still be programmable to emulate other cards,such as an AMERICAN EXPRESS credit card, using the dynamic magneticstripe 1021, a short range transceiver, or a radio communicationapparatus.

Referring now to FIGS. 11A and 11B, depicted is another embodiment of auniversal card 1100. The universal card 1100 has a front 1110 that canoptionally include a card holder's name 1111, a display 1112, and abrand area 1113. The universal card 1100 also has a back 1120 that caninclude a dynamic magnetic stripe 1121. The back of the card 1120 canalso include features such as a signature area 1122 and a brand area1123. The universal integrated circuit card 1100 can also include asecure element 1130, which can be located on the front, the back, or inthe interior of universal integrated circuit card 1100.

A secure element 1130 is a tamper-proof smart card chip capable ofembedding smart card grade applications, such as bank cards, creditcards, transportation cards, and the like, with the level of securityrequired by financial institutions. Secure elements have been includedin some computing devices, such as smart phones, as an independent partof the computing system which stores data associated with traditionalcards and runs any software applications that use the traditional carddata. Card issuers typically require this independent secure element tobe in the computing device to ensure the security of the traditionalcard data and to protect against fraud. This requirement puts alimitation on developers and distributors of software application thatuse traditional card data because the ability to use such softwareapplications is limited to computing devices which have secure elements.For example, a software developer may create a software application thatruns in a cell phone operating system, such as the ANDROID operatingsystem. The ANDROID operating system is available for use on a widevariety of cell phone models, only a few of which have secure elementhardware. Thus, the software application will be limited to use on onlythose cell phone models that have a secure element and cannot be used onANDROID cell phones that do not have a secure element.

In the embodiment depicted in FIGS. 11A and 11B, the universal card 1100includes a secure element 1130 in the card. The universal card 1100 cancommunicate with any computing device, regardless of whether thecomputing device has a secure element. In the case where the universalcard is in communication with a cell phone that does not have a secureelement, the universal card 1100 can make secure element 1130 availablefor use by the cell phone. Thus, a user will be able to use softwareapplications on the cell phone that require a secure element byutilizing the secure element 1130 of the universal card 1100 while thecell phone is in communication with the universal card 1100.Furthermore, the user can enter traditional card information into thecell phone while the cell phone is in communication with the universalcard 1100, the traditional card data can be communicated to the secureelement 1130 of the universal card 1100 for storage, and the cell phonecan later access the traditional card data in the secure element 1130 ofthe universal card 1100 in the same or a later communication session.Including a secure element 1130 in universal card 1100 solves the issuesassociated with computing devices that do not have a secure element. Inaddition, including a secure element 1130 in universal card 1100 allowsbanks and card issuers to have greater control of the use of secureelements. Currently, when mobile device manufacturers include secureelements in mobile devices, banks and card issuers must negotiate withthe manufacturers to be able to have access to and use of the secureelement. However, moving the secure element to a universal card 1100which is under control of the bank or card issuer eliminates the needfor the bank to negotiate with the manufacturer of a mobile device tohave access to a secure element regardless of whether the mobile devicealso has a secure element.

Referring now to FIGS. 12A and 12B, depicted is another embodiment of auniversal card 1200 having a secure element and an EMV chip. Theuniversal card 1200 has a front 1210 that can optionally include a cardholder's name 1211, a display 1212, and EMV chip 1213, and a brand area1214. The universal card 1200 also has a back 1220 that can include adynamic magnetic stripe 1221. The back of the card 1220 can also includefeatures such as a signature area 1222 and a brand area 1223. Theuniversal integrated circuit card 1200 can also include a secure element1230.

Referring now to FIG. 13, depicted is an embodiment of a universal card1300 with a power indicator 1310. The power indicator 1310 indicates tothe user that the universal card 1300 is ready to be used in atransaction. The power indicator 1310 can indicate that the universalcard 1300 can be used with either or both of a magnetic stripe readerand a contactless payment terminal The power indicator 1310 can be anyvisual indicator, such as an LED light, a color indicator, and the like.In the embodiment of an LED light, the LED light can be illuminated whenthe card is active (i.e., ready to emulate a traditional card as eitheror both of a magnetic swipe card or a contactless payment card) and theLED light can be off when the card is inactive. A power indicator 1310on universal card 1300 can replace the need for the universal card 1310to have a display, thereby reducing the overall cost to make and sellthe universal card 1310. As depicted in FIG. 13, the power indicator1310 can be located on a front 1320 of universal card 1300. Optionally,the front 1320 of universal card 1300 can also include the card holder'sname 1321 and a brand area 1322. In another embodiment not depicted inFIG. 13, a power indicator can be located on a back of universal card1300.

One benefit associated with the use of a power indicator 1310 is that acard holder will know that the card is active when attempting to use thecard. As discussed above, a universal card can be programmed to emulatea default card unless programmed otherwise by the card holder. In thissituation, the card holder may assume that the universal card can beused at any moment as the default card. However, the universal card maybe programmed to be inactive when not in use in order to conservebattery power. If the universal card is inactive and there is no powerindicator, the card holder may assume that an inactive card is alwaysactive and attempt to use the inactive universal card as the defaultcard. Having a power indicator 1310 on the universal card 1300 allowsthe user to easily determine whether the universal card 1300 is activeand ready for use.

Referring now to FIG. 14, depicted is an embodiment of a universal card1400 with a switch 1410. The switch 1410 enables the user to activate ordeactivate the universal card 1400. Having a switch 1410 on theuniversal card 1400 eliminates the need for the user to interact with amobile device in communication with the universal card 1400 to activatethe universal card 1400. For example, the universal card 1400 may beprogrammed to emulate a default card unless programmed otherwise by thecard holder. If the card holder simply wants to use the universal card1400 to emulate the default card, the card holder can activate theuniversal card 1400 using the switch 1410 and not have to use a mobiledevice in communication with the universal card 1400 to activate theuniversal card 1400. The switch can be especially useful if the user'smobile device is out of battery power or otherwise malfunctioning. Whenthe universal card 1400 is activated using the switch 1410, theuniversal card 1400 can retrieve the information for the default cardfrom a secure element in universal card 1400. Thus, no exchange ofinformation between a mobile device and universal card 1400 is necessaryto activate universal card 1400 to be the default card using the switch1410.

A bank or card issuer of a universal card may take advantage of thedefault card feature of the universal card. The bank or card issuer mayrequire the consumer to download and use its e-wallet softwareapplication to interface with the universal card. That e-wallet softwaremay require that the default card of the universal card is a defaultcard which is issued by the bank or card issuer. For example, if a bankissues the universal card and requires the consumer to download thebank's e-wallet software, the bank's e-wallet software may allow theconsumer to select only one of the bank's cards, such as a debit cardassociated with the bank or a credit card associated with the bank, asthe default card. In this scenario, each of the default cards associatedwith the universal card, including a default card for an EMV chip, adefault card for a dynamic magnetic stripe, and a default card forcontactless payment, may be a card associated with the bank. Arrangingfor all of the default cards to be associated with the bank is avaluable position for the bank because the easiest way for the consumerto use the universal card is by using the universal card as one of thedefault cards without using a mobile device to change the universal cardto a non-default card.

The switch 1410 can take any number of forms. As depicted in FIG. 14,the switch 1410 could be a button on the exterior of universal card1400, such as on a front 1420 of universal card 1400. Optionally, thefront 1420 of universal card 1400 can also include the card holder'sname 1421 and a brand area 1422. In another embodiment not depicted inFIG. 14, a switch can be located on a back of universal card 1400. Inaddition, the universal card 1400 could include both a switch 1410 and apower indicator (not shown in FIG. 14). This combination would allow thecard holder to activate the universal card 1400 using the switch 1410and visually see that the universal card 1400 has been activated. Inanother form of the switch not depicted in FIG. 14, the switch 1410could be snap switch on the interior of the card. A snap switch candetect bending and/or tapping of the universal card 1400. Using a snapswitch, in order for the card holder to activate the card, the cardholder would slightly bend and/or tap the card until the universal cardis active. In the embodiment of a snap switch, a power indicator on thecard may be particularly helpful so that the card hold knows when thecard has been sufficiently bent and/or tapped to trigger the snapswitch.

Referring now to FIGS. 15A and 15B, depicted are ways to add traditionalcard data to a secure element of a universal card. As shown in FIG. 15A,a card holder can have one or more traditional cards 1510. The user canswipe the one or more traditional cards 1510 through a magnetic stripereader 1520 which reads the traditional card data from the swipedmagnetic stripe. The magnetic stripe reader 1520 is connected to amobile device 1530 which is configured to receive the traditional carddata from the magnetic stripe reader 1520. The connection between themagnetic stripe reader 1520 and the mobile device 1530 may be a wiredconnection or wireless connection. The mobile device 1530 can beconnected to a universal card 1540 which has a secure element 1541 via ashort range communication link. The mobile device 1530 is configured totransmit the traditional card data received from the magnetic stripereader 1520 to the universal card 1540 without storing the traditionalcard data, and the universal card 1540 is configured to store thetraditional card data in the secure element 1541. In one embodiment ofthe connection between the magnetic stripe reader 1520 and the mobiledevice 1530, the magnetic stripe reader 1520 has a headphone connectorwhich is configured to connect to a headphone port of the mobile device1530, and the mobile device 1530 is configured to receive thetraditional card data from the magnetic stripe reader 1520 via theheadphone port.

As shown in FIG. 15B, a computing device 1550 can store traditional carddata in storage 1551. The computing device 1550 can also have aprocessor 1552 and other computing hardware and/or software. Thecomputing device 1550 can be controlled and secured by a bank, by atraditional card issuer, or by another entity. The computing device 1550is connected to a mobile device 1570 via a network 1560. The network1560 can be a wired network, a wireless network, or any combination ofwired and wireless networks, including one or more of the internet, acellular phone network, a wi-fi network, a local area network, a widearea network, and the like. The mobile device 1570 is configured toreceive the traditional card data from the computing device 1550 via thenetwork 1560. The computing device may encrypt the traditional card dataprior to transmission via the network 1560. The mobile device 1570 canbe connected to a universal card 1580 which has a secure element 1581via a short range communication link. The mobile device 1570 isconfigured to transmit the traditional card data received from thecomputing device 1550 to the universal card 1580 without storing thetraditional card data, and the universal card 1580 is configured tostore the traditional card data in the secure element 1581.

Another way that a secure element of a universal card can be loaded withtraditional card data is by the card issuer pre-loading the traditionalcard data on the secure element before the card is given to theconsumer. The card issuer may have information about some or all of theconsumer's traditional cards and can pre-load the secure element of acard with the traditional card data. In one example, the card issuer maybe a bank and the consumer may have a debit card associated with thebank and a credit card associated with the bank. The bank may pre-loadinto the secure element of a universal card traditional card datacorresponding to each of the debit card and the credit card beforesending the universal card to the consumer. When the consumer receivesthe card, the universal card will already be configurable to emulate thedebit card and the credit card. In one embodiment, the bank may alsodesignate one of the debit card and the credit card as the default cardfor the universal card before sending the universal card to theconsumer. In this embodiment, the universal card may be immediatelyavailable to the consumer for use as the default card without having tointerface the universal card with a mobile device. Setting the defaultcard to a traditional card associated with the bank gives the bank thevalued position of having its traditional card be the easiest way forthe consumer to use the universal card.

Referring now to FIG. 15C, depicted is a way to use a universal cardwith a mobile device that includes a secure element. Traditional carddata 1590 can be communicated to a mobile device 1591. The traditionalcard data 1590 can be communicated by swiping traditional card through amagnetic stripe reader which communicates the traditional card data tomobile device 1591, similar to the depiction in FIG. 15A, or traditionalcard data 1590 can be communicated from a computing device to mobiledevice 1591 via a network, similar to the depiction in FIG. 15B. Mobiledevice 1591 can include a secure element 1592 which is configured tosecurely and independently store the traditional card data. The mobiledevice 1591 can be configured to send instructions to a universal card1593 to program the universal card 1593 to emulate a traditional card.The instructions sent from the mobile device 1591 to the universal card1593 can include confidential traditional card data from the secureelement 1592 which is necessary for the universal card 1593 to emulatethe traditional card. The instructions sent from the mobile device 1591to the universal card 1593 can include instructions for the universalcard to emulate either or both of a magnetic stripe of the traditionalcard and a contactless payment form of the traditional card.

Referring back to FIG. 1, a mobile device 100 can be configured tocommunicate with a universal card 110 that has a secure element 119 viaa short range communication link 120. As described above, a secureelement 119 is an independent part of the universal card 110 whichstores data associated with traditional cards and maintains thattraditional card data securely. The mobile device 100 can includee-wallet software 105 that provides a user interface which allows a userto program the universal card 110. In one embodiment, the secure element119 of the universal card 110 stores confidential traditional card dataassociated with a VISA credit card and a DISCOVER credit card. Theconfidential traditional card data in the secure element 119 can includeany information necessary to emulate the VISA credit card and theDISCOVER credit card, such as an account number, a card number, a cardholder's name, an expiration date, a card verification value 2 (CVV2),information stored on the magnetic stripe of the traditional cards, andany other required information. The e-wallet software 105 may not storethe confidential traditional card data because banking requirements maynot permit the confidential traditional card data to be stored on themobile device 100. However, the mobile device 100 may storenon-confidential data for each of the traditional cards. For example,the mobile device 100 may store a nickname associated with eachtraditional card, the last 4 digits of the traditional card number, animage associated with the issuer of each traditional card, and so forth.By storing non-confidential traditional card data in mobile device 100,the e-wallet software 105 can permit the user to select whichtraditional card the universal card 110 shown emulate by displaying someor all of the non-confidential traditional card data. For example, thee-wallet software 105 may display two buttons respectively labeled as“VISA **** **** **** 1234” and “DISCOVER **** **** **** 9876.” The usercan select either of the two traditional credit card options. Inresponse, the mobile device 100 sends a signal to universal card 110indicating that the universal card should emulate the selectedtraditional credit card. In one embodiment, the universal card 110configures both the dynamic magnetic stripe 111 to emulate the magneticstripe of the selected traditional credit card and the short rangetransceiver 116 to emulate the selected traditional credit with acontactless payment terminal In this manner, the user needs only toselect the desired traditional card using the e-wallet software 105,without having to make a selection of magnetic stripe or contactlesspayment, and the user can use the traditional card with either amagnetic swipe terminal or a contactless payment terminal.

When the universal card 110 is in communication with the mobile device110, the universal card 110 may send notifications back to mobile device100. For example, if a battery in universal card 110 is low, theuniversal card 110 can send a low battery signal to the mobile device100. The mobile device 100 or the e-wallet software 105 can beconfigured to display a warning message to the user. The mobile device100 or the e-wallet software 105 can also be configured to communicateto the issuer of the universal card 110 that the universal card 110needs to be replaced. In another example of a notification, a VISA cardmay have been selected as a default card for the universal card 110, butthe user may have programmed the universal card 110 to emulate aDISCOVER card for a three-hour period and then revert back to thedefault VISA card. This situation may occur when the user is planning tospend several hours at a shopping mall and wants to use the DISCOVERcard while at the mall. At or near the end of the three-hour period, theuniversal card 110 may send a signal to the mobile device that theuniversal card 110 is about to revert back to the default VISA card. Themobile device 100 or the e-wallet software 105 can be configured todisplay a warning message or sound and alarm to the user so that theuser is aware of the reversion back to the VISA card.

One issue with using a mobile device 100 to interface with a universalcard 110, and any confidential data stored in a secured element of theuniversal card, is the need for authentication. Several forms ofauthentication are discussed above. Authentication may also vary basedon the configuration of the mobile device 100. For example, a mobiledevice 100 may be secured such that a user of the mobile device must beauthenticated each time the user unlocks the mobile device 100. In thiscase, the e-wallet software 105 may recognize that the user has alreadybeen authenticated when the mobile device 100 was unlocked, and thee-wallet software 105 may not need to require authentication when theuser initially interfaces with the e-wallet software 105. In anotherexample, a user may be able to unlock the mobile device 100 without anyauthentication. In this case, any person may be able to unlock thedevice and start the e-wallet software 105. Here, the e-wallet software105 may recognize that the user has not been authenticated when themobile device 100 was unlocked, and the e-wallet software 105 mayrequire the user to be authenticated when the user initially interfaceswith the e-wallet software 105.

The issuer of the universal card 110 may have interest in making theuniversal card 110 available for interacting with e-wallet softwarecreated by other individuals or entities. In order to allow suchthird-party software to be created, the issuer may create an applicationprogramming interface (API) or software developer kit (SDK) whichprovides a framework of rules and specifications for interacting withthe universal card 110. The API or SDK can be provided to third partysoftware developers to enable them to create e-wallet softwareapplications that successfully interact with the universal card 110.

The dynamic magnetic stripe 111 of universal card 110 may be used in anumber of ways that are not available to static magnetic stripe cards.As discussed above, magnetic stripe cards have three standard tracklayouts: Track 1, Track 2, and Track 3. Various implementations ofmagnetic stripes have standard fields in certain tracks while leavingother portions of tracks available for other uses. Having a dynamicmagnetic stripe 111 in a universal card 110 allows the non-standardizedportions of the tracks to communicate data to a terminal that cannot becommunicated by a static magnetic stripe of a traditional card. In oneembodiment, a card holder may want to pay with a credit card and use oneor more coupons in the same transaction. In a traditional setting, thecard holder would present physical coupons to a cashier, the cashierwould enter the coupons, and the card holder's traditional card would beswiped for payment. In contrast, an e-wallet application 105 can managedigital coupons for a user. Using the mobile device 100 and e-walletapplication 105, the user can select one or more coupons to be used in atransaction, and a corresponding signal can be communicated to theuniversal card 110. The signal can also include an indication of atraditional card for the universal card 110 to emulate. When universalcard 110 configures the dynamic stripe 111 to emulate a traditional cardmagnetic stripe, the universal card 110 can also include the couponinformation in one of the non-standardized portions of the tracks. Theuniversal card 110 can be swiped in a magnetic stripe reader which isconfigured to identify the data in the non-standardized portions of thetracks. The magnetic stripe reader may apply the coupon to thetransaction prior to charging the transaction to the account associatedwith the traditional card emulated by the universal card 110.

Another example of using the non-standardized portions of the tracksincludes using a dynamic authentication value to authenticate thetransaction. To prevent fraudulent transactions, traditional contactlesscards can generate dynamic data every time they are read. Dynamic datageneration per read provides logical security and inhibits fraudulentreplay of contactless card data that may have been previously read. Forexample, contactless credit, debit and prepaid payment card dataincludes a dynamic card verification number, sometimes referred to“CVC,” “CVV,” or “dynamic CVV,” or transaction certificate (for EMVcards). The dynamic authentication value is unique for everytransaction. One way of the dynamic authentication value to be generatedis using a secret key stored in secured memory of the card, a randomnumber, a transaction counter, and a specific algorithm. Other ways ofgenerating the dynamic authentication value are possible. The dynamicauthentication value is generated dynamically every time a traditionalcontactless card is read for a transaction and the dynamicauthentication value can be authenticated by a payment terminalcontacting the issuer of the card to verify the dynamic authenticationvalue. However, dynamic authentication values cannot be used withtraditional static magnetic stripe cards because the static magneticstripe cannot produce a unique dynamic authentication value each timethe magnetic stripe is swiped for a transaction. The use of a dynamicmagnetic stripe 111 in universal card 110 allows a dynamicauthentication value unique to each transaction to be written to thenon-standardized portions of the tracks. In this manner, a universalcard 110 can generate a dynamic authentication value in the same manneras traditional contactless cards and write the generated dynamicauthentication value to one of the non-standardized portions of thetracks. The universal card 110 can be swiped in a magnetic stripe readerwhich is configured to identify the dynamic authentication value in thenon-standardized portions of the tracks and authenticate the transactionwith the card issuer. In another embodiment, the traditional card mayhave a field on the static magnetic stripe for a CVV value. When theuniversal card is configured to emulate the traditional card thatnormally has a static CVV value field, the universal card may generate adynamic authentication value and write the dynamic authentication valuein the field typically used for the static CVV value. The dynamicauthentication value could have the same format as the static CVV and belocated in the same location that the static CVV field would be locatedin the static magnetic stripe of the traditional card. In this scenario,there would be no need to reconfigure the terminal with the magneticstripe reader because it would already be configured to read a valuefrom the static CVV field location. Using dynamic authentication valueswith traditional magnetic stripe reader terminals allows for the addedsecurity of the dynamic authentication value authentication withoutrequiring terminals to add a contactless payment terminal to themagnetic stripe reader.

When the universal card can be configured to emulate multipletraditional cards, some of issuers of the traditional cards will becapable of authenticating a dynamic authentication value while others ofthe issuers of the traditional cards will only be capable ofauthenticating a static authentication value. The secure element maystore with the traditional card data, an indication as to whether astatic authentication value or a dynamic authentication value should beused when emulating each traditional card.

A universal card can also be used to eliminate the need for physicaltraditional cards altogether. Traditional cards are currently being usedas pre-paid cards in place of cash in a number of settings. Many creditissuing companies, such as VISA, MASTERCARD, and AMERICAN EXPRESS, offerpre-paid debit cards which require that the amount of the debit card bepre-paid, or “loaded,” before the card can be used in a financialtransaction. Some pre-paid debit cards permit users to pay up theavailable amount on the card, or “reload” the card. These pre-paid debitcards can be used by consumers who have bad credit but still want theease of using a magnetic swipe card in transactions, by governmentagencies to provide government benefits such as social security benefitsand unemployment benefits, by employers as bonuses or incentives toemployees, and by consumers that give them as gifts. Traditional cardsare also being used as gift cards which are typically usable only at asingle retailer or group of retailers. Gift cards typically must bepre-paid. Consumers that buy gift cards must either go to a retaillocation to buy the physical gift card or they can purchase gift cardsonline and have the physical gift card shipped. Some retail locations,such as grocery stores, offer for purchase gift cards to a wide varietyof other retail locations. This offers a consumer the convenience ofpurchasing gift cards for a number of different retailers while onlyphysically visiting a single store to obtain the physical gift cards.Traditional cards are also being used as loyalty cards and membershipcards for certain retail locations. Many retailers, such as grocerystores, allow consumers to obtain free loyalty cards which can bepresented when the consumer is checking out to obtain sale prices ofcertain items. Other retailers, such as warehouse stores, offer paidmemberships which include a membership card that must be presented eachtime the consumer is entering the store and/or checking out.

The proliferation of uses for traditional cards has flooded consumerswith the number of traditional cards they may need to carry. Forexample, a consumer may carry several credit cards, a debit card,several gift cards, a membership card, and several loyalty cards. Havingto carry so many cards may reduce the likelihood that a consumer wouldsign up for an additional card. For example, if a consumer is at a storethat offers a loyalty card, the consumer may decline the loyalty cardbecause the consumer does not want to carry around an additional card,to remember where that card is stored in a purse or wallet during asubsequent visit to the store, and the like. Additionally, having alarge number of cards increases the likelihood that a card will bemisplaced, lost, or stolen. A consumer is much less likely to purchase apre-paid card, such as a pre-paid debit card, a gift card, and the like,if the entire value of the card is lost when the card is lost,misplaced, or stolen.

Attempts have been made to eliminate the need for physical traditionalcards. Services have been developed which allow consumers to make onlinepurchases of digital gift certificates. The digital gift certificate istypically sent to the recipient in a printable form. The recipient mustprint out the gift certificate and take the physical printout to theretail location to use the gift certificate. The printed giftcertificate typically includes a bar code or other code which the retaillocation can verify before accepting the printed gift certificate aspayment. While this system eliminates a physical card, it still requiresthe consumer to carry a printout to the retail location. Additionally,loss or theft of the printout can result is loss of the value of thegift certificate if the lost or stolen printout is used by anotherperson.

Referring now to FIG. 16, depicted is an electronic card data deliverysystem 1600. Computing device 1610 can be associated with an operatorwhich distributes pre-paid cards, loyalty cards, or any other type ofcard. The computing device 1610 is connected, via a network 1620, to acomputing device 1630. Computing device 1630 is associated with auniversal card 1640. A user can contact the operator of computing device1610 and request that card data be sent to computing device 1630 for useby universal card 1640. For example, the user can request that a $100gift card be sent to computing device 1630. In response to receiving therequest, computing device 1610 can create a gift card account creditedwith $100 and deliver, via network 1620, card data to computing device1630. The gift card data can be used to program universal card 1640 toemulate a traditional card associated with the gift card account. Inanother example, the user can request a loyalty card account andcomputing device 1610 can deliver, via network 1620, card data tocomputing device 1630. The loyalty card data can be used to programuniversal card 1640 to emulate a traditional card associated with theloyalty card account.

Electronic delivery of card data from computing device 1610 to computingdevice 1630 can take a number of forms. In one example, the userrequesting delivery of the card data may identify computing device 1630and the computing device 1610 may automatically send the card data tocomputing device 1630. In another example, when requesting delivery ofthe card data, the requester may give identification information of therecipient. The identification information may include a cell phonenumber of the recipient, an email address of the recipient, or any otherinformation identifying the recipient. The computing device 1610 cansend a message to the recipient by email, by text message, or by anyother communication method. The message can include an indication to therecipient that card data is available for download and instructions onhow the recipient can download the card data. When the recipient followsthe download instructions, computing device 1630 is identified bycomputing device 1610 and the card data is delivered from computingdevice 1610 to computing device 1630. In yet another example, thedelivery of card data can take place via a social network. The requestermay indicate a user name or other identifier of a contact in a socialnetwork as the recipient. A message can be sent to the recipient via thesocial network or post a message on a page associated with therecipient. The message can include an indication to the recipient thatcard data is available for download and instructions on how therecipient can download the card data. When the recipient follows thedownload instructions, computing device 1630 is identified by computingdevice 1610 and the card data is delivered from computing device 1610 tocomputing device 1630. Any number of other examples of delivering datafrom computing device 1610 to computing device 1630 are possible.

Either or both of computing device 1630 and universal card 1640 caninclude a secure element. When computing device 1630 receives card datafrom the computing device 1610, it can store the card data in either asecure element of the computing device 1630, in a secure element ofuniversal card 1640, or in secure elements of both the computing device1630 and the universal card 1640. Once the card data is stored in asecure element, the universal card 1640 can be programmed to emulate aphysical traditional card associated with the card data. It is alsopossible for card data to be stored in memory that is not part of asecure element. It may be advantageous to store card data associatedwith non-financial cards, such as loyalty cards, in memory that isoutside of the secure element. Doing so may preserve limited memorycapabilities of a secure element, leaving memory available in the secureelement to store card data which cannot be stored outside of the secureelement, such as bank card data.

The request for card data may be sent from computing device 1630. Inthis embodiment, a user of computing device 1630 can request card databe sent to the user's own computing device 1630. Computing device 1630can be a cell phone, a PDA, an iPod, a tablet computer, a laptopcomputer, a desktop computer, an NFC-specialized device, or any othertype of computing device. For example, the user may wish to add aloyalty card to the list of possible cards that the universal card 1640can emulate. In this case, the user can contact the loyalty card issuerusing computing device 1630. Computing device 1630 can include any oneof the following features which would allow the user to request carddata: an e-wallet application, a card requesting application that isspecifically dedicated to allowing users to request various types ofcard data, a retailer application that allows the user to request carddata for that particular retailer, and a web browser that allows theuser to access a website which allows the user to request card data. Inone embodiment, the user of computing device 1630 may use an e-walletapplication to request new card data. In this embodiment, the user couldpurchase a gift card using the e-wallet application on computing device1630 and the remote computer 1620 could receive the request, process thepurchase, and send card data for the gift card back to computing device1630. Using the e-wallet application to purchase the gift card allowsthe user to select any of the cards already stored in the e-walletapplication to use for purchasing the gift card. Other methods andapplications are available to allow a user to request card data.

The request for card data may be sent from a computing device 1650 thatis different from computing device 1630. In this embodiment, therequesting user may use any computing device 1650 which is capable ofcommunicating a request for card data to computing device 1610.Computing device 1650 can be a cell phone, a PDA, an iPod, a tabletcomputer, a laptop computer, a desktop computer, an NFC-specializeddevice, or any other type of computing device. For example, therequesting user may wish to send a gift card to the user of computingdevice 1630 in electronic format so that the recipient can use theuniversal card 1640 to emulate the gift card. In this case, therequesting user can contact the gift card issuer using computing device1650. In yet another example, a user can use one computing device 1650,such as a laptop computer or desktop computer, to request that card databe sent to the user's own computing device 1630, such as the user'stablet computer. Computing device 1650 can include any one of thefollowing features which would allow the user to request card data: ane-wallet application, a card requesting application that is specificallydedicated to allowing users to request various types of card data, aretailer application that allows the user to request card data for thatparticular retailer, and a web browser that allows the user to access awebsite which allows the user to request card data.

The operator of computing device 1610 can be any number of entities. Inone example, the operator of computing device 1610 can be a retailer.The retailer may operate a website through which a user can purchaseproducts and gift cards specific to the retailer. The retailer may allowa user to purchase a gift card with delivery being in electronic form tothe computing device 1630. In this case, no physical card would be sentto the requester and/or the recipient; instead, card data would bedelivered from computing device 1610 to computing device 1630 and therecipient would be able to program universal card 1640 to emulate aphysical gift card. In another example, the operator of computing device1610 can be a retailer which offers loyalty cards and/or membershipcards. The retailer may allow a user to request a loyalty card orpurchase a membership card with delivery being in electronic form to thecomputing device 1630. In this case, no physical loyalty card ormembership card would be sent to the recipient because the universalcard 1640 would be able to emulate a loyalty card or membership card. Inanother example, the operator of computing device 1610 can be a cardissuer. A card issuer may allow a user to apply for a credit card. Uponapproval of the credit card, the computing device 1610 can send carddata to the computing device 1630 and the recipient would be able toprogram universal card 1640 to emulate a physical credit card. In yetanother example, the operator of computing device 1610 can be a cardissuer which allows users to purchase pre-paid debit cards. The cardissuer may allow a user to purchase a pre-paid gift card with deliverybeing in electronic form to the computing device 1630. In this case, nophysical pre-paid debit card would be sent to the recipient; instead,card data would be delivered from computing device 1610 to computingdevice 1630 and the recipient would be able to program universal card1640 to emulate a pre-paid debit card.

In the pre-paid debit card example, the ability to request and havepre-paid debit card data delivered to a recipient electronically couldobviate the need for money wiring services. In one embodiment, a parentof a college student may wish to send money to the college student.Instead of using a money wiring service, the parent may use a computingdevice 1650 to contact a pre-paid debit card issuer and request that apre-paid debit card be electronically delivered to the college student'scomputing device 1630. Upon approval of the pre-paid debit card, thecomputing device 1610 can electronically deliver card data associatedwith the pre-paid debit card to the college student's computing device1630. Once the card data has been electronically delivered to computingdevice 1630, the college student can use the pre-paid debit card byprogramming the universal card 1640 to emulate the pre-paid debit card.In this example, the parent was able to make money available to thecollege student without having to use a money wiring service and withouthaving to ship a physical card to the college student.

The ability to send card data electronically can also improve customerloyalty reward systems. Some retailers reward customers for makingpurchases with loyalty cards in the form of gift cards, giftcertificates, electronic gift certificates, and the like. Examplesinclude retailers that send a gift card to customers once the customersreach some spending threshold and retailers that send electronic giftcertificates to customers each month based on the amount customers havespent during the month. These systems require either that a physicalgift card or gift certificate be sent to customers, or that customersprint electronic gift certificates and physically bring the printed giftcertificate to the retail location. Instead, if a customer has auniversal card, the customer may be able to choose to receive allbenefits in the form of electronic card data. In the example where aretailer normally provides a gift card once a customer reaches somespending threshold, the retailer could send gift card data to thecustomer's computing device for use with the customer's universal card.Similarly, in the example where a retailer normally provides anelectronic gift certificate to a customer each month based on the amountthe customer has spent during the month, the retailer could send giftcard data to the customer's computing device for use with the customer'suniversal card. In another embodiment, the retailer may be aware thatthe customer already has both loyalty card data for that retailer andgift card data for that retailer available for use with the universalcard. In this embodiment, when the retailer is due to send a gift cardor a gift certificate to the customer, the retailer may instead creditthe gift card account for which the user already has the gift card dataand notify the customer that the gift card account has been creditedwith a certain amount.

The ability to send card data electronically without having a physicalcard can also reduce card fraud. One way in which fraud occurs is when athief goes to a retail location where gift cards or other cards ondisplayed on shelves and records the information from not-yet-activatedcard, sometimes referred to as “skimming.” The information can include acard number, a security or access code, and the like which are sometimesconcealed by cardboard or a scratch off film. The thief monitors thecard status online using the card information. Once the thief finds thatthe card has been activated, the thief depletes the value of the cardbefore it is used. For example, with a gift card associated with aretailer, once the gift card has been activated, the thief can go to awebsite of the retailer and make a purchase using the gift cardinformation. Skimming is eliminated if card data is sent electronicallyto a recipient and not available for inspection in physical form.

The above description of FIG. 16 refers to computing device 1610 as asingle computing device. While computing device 1610 can be a singlecomputer, it is important to note that computing device 1610 can includemultiple computing devices, such as a number of servers, multiple datacenters, and the like. Computing device 1610 can also be a point of saleterminal or terminals. In this embodiment, a point of sale terminal 1610can send card data to a computing device 1630. The gift card data can betransmitted from point of sale terminal 1610 to computing device 1630via a network 1620, such as a wi-fi network provided by the retailer. Inone example, a user of computing device 1630 may be returning an item atthe point of sale terminal 1610 and, in exchange for the return of theitem, the user is entitled to a gift card with a certain amount ofvalue. Instead of a cashier providing the user with a physical giftcard, the point of sale terminal 1610 can send gift card data to thecomputing device 1630 where the gift card data is associated with a giftcard account and is usable by the universal card 1640 to emulate thegift card. In another example, a user of computing device 1630 may wishto obtain a loyalty card while checking out at point of sale terminal1610. Instead of a cashier providing the user with a physical loyaltycard, the point of sale terminal 1610 can send loyalty card data to thecomputing device 1630 where the loyalty card data is usable by theuniversal card 1640 to emulate the loyalty card.

Referring now to FIG. 17, depicted is a method of providing card data toa universal card. A requester can send a request for card data to besent to a recipient, as depicted by box 1710. As discussed above, therequester can send the request from a computing device to one or morecomputing devices associated with the card distributor via a network. Inaddition, the computing device used by the requester can, but need notbe, associated with a universal card. The request can optionally includeinformation identifying the recipient or the recipient's computingdevice. The card distributor can receive the request for card data, asdepicted by box 1720. As discussed above, the request can be received byone or more computing devices associated with the card distributor via anetwork. The card distributor can identify a computing device associatedwith the recipient, as depicted by box 1730. As discussed above,identifying the recipient's computing device can include sending anemail or text message to the recipient with instructions for downloadingthe card data. The instructions can include actions by the recipientthat will identify the recipient's computing device to the carddistributor. Identifying the recipient's computing device can alsoinclude information identifying the recipient's computing device in therequest sent by the requester. In addition, as described above, therequester can also be the recipient. After the card distributoridentifies the computing device of the recipient, the card distributorcan deliver the card data to the recipient's computing device, asdepicted by box 1740. As described above, the delivery can be from oneor more computing devices of the card distributor to the recipient'scomputing device via a network. The recipient's computing device canreceive the card data and store the card data in a secure element. Asdescribe above, the secure element can be located in one or both of therecipient's computing device or a universal card associated with therecipient's computing device. The recipient can program the universalcard to emulate a card using the card data delivered to the computingdevice associated with the recipient.

Referring now to FIG. 18, depicted are embodiments of a system andmethod of securely loading card data onto a universal card that has asecure element. In addition to those advantages discussed above, thereare advantages to having the secure element on the universal cardinstead of the mobile device. A wireless carrier may assert control overaccess, management, and ownership of a secure element on a mobiledevice. Such control over the secure element may also include controlover use of a short range transceiver for payments. Mobile devicemanufacturers and application developers can attempt to secureapplications using other forms of security, such as secure elementslocated on SIM cards or SD cards. However, any application or datastored in a mobile device, a SIM card, or an SD card leaves theapplication or data susceptible to extraction, access, or inspection bythieves and/or hackers. The data on mobile devices can be read by thirdparties if the mobile device is lost or stolen. Users may protect theirmobile device with a PIN or password; however, users frequently use onlyfour-digit PIN numbers (a total of 10,000 possible PINs) or weakpasswords that are easily overcome. If any secure card data is locatedon the phone, recovery of such data would allow the third party tocomplete transactions using the recovered phone data. Mobile devicesalso suffer from hacking attacks, such as phishing, Trojan, and Botattacks. In a phishing attack, a mobile device's browser may be directedto phishing site which is configured to extract secure data from thephone or from the phone's user. In a Trojan or Bot attack, a mobiledevice may become infected with code which establishes a connection to ahacker's computing device and transfers secure data from the mobiledevice. Many other attacks on mobile devices are possible. Other attackson mobile devices include intercepting data that is transmitted to otherdevices, sometimes referred to as “man-in-the-middle” attacks. When adevice establishes a wireless connection, such as an NFC connection, aBluetooth connection, or Wi-Fi connection, a third party may interceptsignals sent via the wireless connection and read, modify, or reroutethe data.

The system depicted in FIG. 18 prevents unencrypted secure card datafrom being stored on a mobile device and from being transmitted betweendevices. As depicted, encrypted card data 1810 can be sent to mobiledevice 1820. In one embodiment, the card data can be encrypted using aderived unique key per transaction (DUKPT) key management encryptionscheme. In such a scheme, a one-time unique encryption key can bederived for each transaction, and the key can be generated from a masterbase derivation key (BDK) shared by both the encrypting entity and thedecrypting entity. In one embodiment, a unique BDK can be assigned toeach customer. After receiving the encrypted card data 1810, the mobiledevice 1820 can store the encrypted card data 1810. The encrypted data1810 can be stored either temporarily or indefinitely without concernfor the mobile device 1820 being hacked, stolen, or otherwisecompromised, as the encrypted card data 1810 can be encrypted in such away that it is difficult or nearly impossible for the card data to bedecrypted by a third party that does not have the proper key(s), such asthe DUKPT and the BDK. Mobile device 1820 can include an e-walletapplication 1821 and a short range transceiver 1822. The encrypted carddata 1810 is unusable to the e-wallet application 1821 since thee-wallet application 1821 is unable to decrypt the encrypted card data1810.

The mobile device 1820 can transmit the encrypted card data 1810 via theshort range transceiver 1822 to universal card 1830 which also has ashort range transceiver 1831. While the transmission of the encryptedcard data 1810 may be made wirelessly, such as via an NFC connection, aBluetooth connection, or other short range communication connection,such a transmission will not expose the card data to risk of being readby a man-in-the-middle attack because the card data is being transmittedas encrypted card data 1810. Even if the encrypted card data 1810 wasread by a third party, it is difficult or nearly impossible for the carddata to be decrypted by the intercepting party without the properkey(s). Once received via the short range transmitter 1831, theencrypted card data 1810 can be passed to secure element 1832 on theuniversal card 1830. The secure element 1833 can include a decryptingmodule 1833 which has sufficient information, such as the DUKPT and/orthe BDK, to decrypt the card data. The decrypted card data can includeboth secure card data 1840 and non-secure card data 1850. The securecard data can include information that is typically used to ensuresecurity of financial transactions. For example, many traditional creditand debit cards include a card certification value (CVV1) that isencoded on Track 2 of the magnetic stripe of a traditional card. Duringa transaction, the CVV1 value is passed to the terminal with the othercard data and the terminal can verify the transaction using the CVV1value. In the system depicted in FIG. 18, the decrypted secure card data1840 could include the CVV1 value for a particular card. The secure carddata 1840 is stored in the secure element 1832 of the universal card1830. The universal card 1830 can be configured so that it uses thesecure card 1840 to configure dynamic magnetic stripe 1860 to emulate astatic magnetic stripe of a traditional card, and the universal card1830 can be configured so that the secure card data 1840 is stored onlyin secure element 1832 and not transmitted after the secure card data1840 is decrypted. Non-secure card data 1850 can include informationrelated to a card that would be considered acceptable if lost or stolen.Such non-secure data could include any or all of the following: the nameof the issuer of the card (e.g., VISA, AMERICAN EXPRESS, etc), the nameof the card holder, the last four digits of the card number, and theexpiration date of the card.

The universal card 1830 can transmit the decrypted non-secure card data1850 to the mobile device 1820 via short range transceiver 1831. Thedecrypted non-secure card data 1850 can be sent to the mobile device1820 in a batch file that can include non-secure card data for one ormore cards. The mobile device 1820 can receive the non-secure card data1850 via short range transceiver 1822 and store the non-secure card data1850. Once stored in the mobile device 1820 stores the non-secure carddata 1850, it can be used by e-wallet application 1821. E-walletapplication 1821 can provide a user interface which allows a user toview the non-secure card data 1850, to manage card data and cardaccounts, to select a card for the universal card 1830 to emulate, toassign a nickname to a card, to assign an identifier of the type of card(e.g., VISA word account, MASTERCARD home account, etc), choose a typeof card (e.g., loyalty card, debit card, credit card), among otheroperations.

The system and method depicted in FIG. 18 provide a trusted environmentfor the secure card data 1840 and the decryption keys required fordecrypting encrypted card data 1810. Using the secure element 1832 on auniversal card 1830 to both decrypt encrypted card data 1810 and tostore decrypted secure card data 1840 greatly reduces the possibility offraud or theft of card data. The secure card data 1840 does not need tobe transmitted off of universal card 1830 and will not be available in adecrypted form off of universal card 1830. Furthermore, mobile device1820 will not contain any secure card data 1840 in a decrypted format.Thus, there will be no risk to the loss or theft of secure card data1840 if mobile device 1820 is lost, stolen, or hacked.

Referring now to FIGS. 19A-19C, depicted are several embodiments ofsystems and methods for providing card encrypted to a mobile device fortransmission to a universal card with a secure element. Depicted in FIG.19A is an encrypting card reader 1910. A user can swipe a traditionalcard into encrypting card reader 1910 which will read the data from thetraditional card's magnetic stripe and encrypt that data as the carddata is read from the traditional card's magnetic stripe to createencrypted card data 1920. In one embodiment, the encrypting card reader1910 can use a triple data encryption standard (3DES) and DUKPT toencrypt the card data as it the data is read from the traditional card'smagnetic stripe. In the embodiment depicted in FIG. 19A, the encryptingcard reader 1910 can be connected directly to mobile device 1930. Theconnection between encrypting card reader 1910 and mobile device 1930can be a wired connection, such as a cable connecting encrypting cardreader 1910 to an audio jack of mobile device 1930, or a wirelessconnection, such as via a Wi-Fi network. The encrypted card data 1920can be communicated from the encrypting card reader 1910 to the mobiledevice 1930 which transmits the encrypted card data 1920 to universalcard 1940. Universal card 1940 can include a secure element 1941 whichhas a decryption module that can decrypt encrypted card data 1920 andstore decrypted secure card data. Universal card 1940 can also transmitdecrypted non-secure card data back to mobile device 1930.

Depicted in FIG. 19B is an embodiment where encrypting card reader 1910is connected to a computing device 1950. Computing device 1950 can beany computing device, such as a personal computer, a laptop computer, atablet, and the like. A user can swipe a traditional card intoencrypting card reader 1910 which will read the data from thetraditional card's magnetic stripe and encrypt that data as the carddata is read from the traditional card's magnetic stripe to createencrypted card data 1920. The encrypting card reader 1910 can beconnected to computing device 1950 via a wired connection, such as auniversal serial bus (USB) connection, or a wireless connection, such asvia a Wi-Fi network. The encrypted card data 1920 can be communicatedfrom the encrypting card reader 1910 to the computing device 1950 whichtransmits the encrypted card data 1920 to mobile device 1930. Mobiledevice 1930 can transmit the encrypted card data 1920 to universal card1940. Universal card 1940 can include a secure element 1941 which has adecryption module that can decrypt encrypted card data 1920 and storedecrypted secure card data. Universal card 1940 can also transmitdecrypted non-secure card data back to mobile device 1930.

Depicted in FIG. 19C is an embodiment where a source of encrypted carddata 1960 provides encrypted card data 1920 to mobile device 1930. Thesource of encrypted card data 1960 can be a financial institution, suchas a bank, a card issuer, such as a credit card company, a point of saleterminal, such as a terminal in a store that issues loyalty cards andgift cards, or any other source of encrypted card data. The source ofencrypted card data 1960 can encrypt the card data to create theencrypted card data 1920 and transmit the encrypted card data 1920 tomobile device 1930 via a network 1970. The network 1970 can be a wirednetwork, a wireless network, or any combination of wired and wirelessnetworks, including one or more of the internet, a cellular phonenetwork, a Wi-Fi network, a local area network, a wide area network, andthe like. The network 1970 can also include one or more computingdevices. For example, a bank may send encrypted card data 1920 to auser's personal computer via the internet, and the user's personalcomputer can send the encrypted card data 1920 to mobile device 1930 viaa wireless connection, such as a Bluetooth connection or a Wi-Ficonnection. In this example, the network 1970 would include theinternet, the user's personal computer, and the wireless connectionbetween the user's personal computer and the mobile device 1930. Mobiledevice 1930 can transmit the encrypted card data 1920 to universal card1940. Universal card 1940 can include a secure element 1941 which has adecryption module that can decrypt encrypted card data 1920 and storedecrypted secure card data. Universal card 1940 can also transmitdecrypted non-secure card data back to mobile device 1930.

The encryption of card data can be used with any type of traditionalcard data. For example, credit card data, debit card data, loyalty carddata, identification card data, building access card data, and card dataof any other type of card can be encrypted before it is sent to auniversal card via a mobile device. The ability to send encrypted carddata to a universal card via a mobile device does not preclude thepossibility that card data could be sent to a universal card via amobile device in an unencrypted form. In certain instances, it may bedifficult to securely share decryption keys with a universal card. Insuch instances, it may be more advantageous to send card data in adecrypted form. For example, it may not be required that electronic giftcard data is encrypted for transmission to the universal card, and itmay be difficult to securely pass decryption keys to the universal cardfrom every possible retailer, electronic gift card issuer, social mediasite, etc., that issues electronic gift cards. Thus, it may beadvantageous to transmit electronic gift card data to a universal cardvia a mobile device in an unencrypted format even if all other types ofcard data, such as credit card data, is transmitted to the universalcard via the mobile device in an encrypted format.

Referring now to FIG. 20, depicted is an embodiment of a method ofsecurely transferring secure card data to a universal card andnon-secure card data to a mobile device. At block 2010, the card data isencrypted. In some embodiments, the encryption can be performed by acard issuer, a financial institution, an encrypting card reader, and thelike. At block 2020, the encrypted card data is transmitted to a mobiledevice. The transmission can be performed via one or both of a wiredconnection and a wireless connection. At block 2030, the mobile devicestores the encrypted card data. At block 2040, the mobile devicetransmits the encrypted card data to a universal card. In oneembodiment, the transmission to the universal card is done via a shortrange communication link, such as an NFC communication link or aBluetooth communication link. At block 2050, a secure element of theuniversal card decrypts the encrypted card data. The decrypted card datacan include both secure card data and non-secure card data. As shown atblock 2050, the secure element can also store the decrypted secure carddata. At block 2060, the universal card transmits the decrypted,non-secure card data to the mobile device. In one embodiment, thetransmission to the mobile device is done via a short rangecommunication link, such as an NFC communication link or a Bluetoothcommunication link. At block 2070, an e-wallet application on the mobiledevice stores the decrypted non-secure card data. While the blocksdepicted in FIG. 20 show an order to the steps, one of ordinary skill inthe art would recognize that at least some of the steps could beperformed in a different order and the methods described herein are notlimited to only the order depicted in FIG. 20.

Referring now to FIGS. 21A and 21B, depicted are embodiments of a mobiledevice obtaining and using RF card data in conjunction with a universalcard. FIG. 21A depicts a mobile device 2110 which has a short rangetransceiver 2111 and an e-wallet application 2112. FIG. 21A also depictsa contactless traditional card 2120 which has an RF interface 2121. TheRF interface 2121 transmits encrypted RF card data 1930. Somepoint-of-sale terminals have contactless payment terminals where an RFreceiver can receive the encrypted RF card data 1930 as part of acontactless payment transaction. In such a transaction, a card holdermerely brings the contactless traditional card 2120 in close proximityto the contactless payment terminal at which time the encrypted RF carddata 1930 is passed from the RF interface 2121 to the contactlesspayment terminal. In the embodiment depicted in FIG. 21A, thecontactless traditional card 2120 can be brought in close proximity toor tapped to the mobile device 2110 when the mobile device is acting asa contactless payment terminal so that the encrypted RF card data 1930is transmitted from the RF interface 2121 and received by the shortrange transceiver 2111 of the mobile device 2110. The mobile device 2110can store the encrypted RF card data 1930 for later use. Since theencrypted RF card data 1930 is already fully encrypted, no furtherencryption is needed to protect the encrypted RF card data 1930.

The mobile device 2110 may also store non-secure card data associatedwith the RF-enabled traditional card 2120. In one embodiment, suchnon-secure card data can be received from a universal card whichdecrypts encrypted card data. More specifically, in accordance with thedescription above, the contactless traditional card 2120 may also have astatic magnetic stripe which can be read by an encrypting card readerwhich transmits encrypted card data to the mobile device 2110. Themobile device 2110 can transmit the encrypted card data to a universalcard which has a secure element with a decrypting module that decryptsthe encrypted card data to obtain decrypted secure card data anddecrypted non-secure data. The universal card can transmit the decryptednon-secure card data to the mobile device 2110 which can receive andstore the decrypted non-secure data. The mobile device 2110 includes ane-wallet application 2112 which can be used to manage all of the varioustypes of card data on the mobile device 2110. In one embodiment, thee-wallet application can be used to associate the encrypted RF card data1930 and the non-secure card data stored on the mobile device 2110 witha single card account. For example, a user could associate encrypted RFcard data 1930 and the non-secure card data stored with a card accounthaving a nickname of “Work VISA.”

Referring now to FIG. 21B, depicted is a an embodiment of the actionstaken by the mobile device 2110 when a particular card is selected.Using the e-wallet application 2112 on mobile device, a user canassociate both encrypted RF card data 1930 and non-secure card data witha single card account. When the user wants to make a payment, the usercan select the card account in the e-wallet application 2112. Uponreceiving the user selection of a card account, the e-wallet application2112 can send encrypted RF card data 1930 and an indication of theselected card 1940 to the short range transceiver 2111. The short rangetransceiver 2111 can use the encrypted RF card data 1930 such that themobile device can be presented at a contactless payment terminal 2170.In this case, the mobile device 2110 acts as a contactless payment card.If universal card 2150 is in proximity to the mobile device 2110 toestablish a short range communication link, the indication of theselected card 1940 is sent to a short range transceiver 2151 ofuniversal card 2150. The universal card 2150 includes a secure element2152 which can store secure card data 2160 which is usable to configurea dynamic data communication mechanism, such as a dynamic magneticstripe, of the universal card 2150. Upon receiving the indication of theselected card 1940, the universal card can configure the dynamic datacommunication mechanism to emulate a static data communication mechanismof a traditional card. For example, if the dynamic data communicationmechanism is a dynamic magnetic stripe, the universal card 2150 can bepresented to a magnetic stripe payment terminal 2180 after the dynamicmagnetic stripe is configured to emulate a static magnetic stripe of atraditional card. In the embodiment depicted in FIG. 21B, the user'sselection of a single card account, such as the “Work VISA” nicknamedaccount from the example in the preceding paragraph, in the e-walletapplication will enable the user to make a payment from the “Work VISA”account either using the mobile device itself with a contactless paymenttransaction terminal or using the dynamic data communication mechanismof the universal card if the universal card is in close enough proximityto receive the indication of the selected “Work VISA” card. Such asystem can lower the complexity of making a payment for the user as theuser can make a payment using either the mobile device or the universalcard after making a single selection of the card account.

A universal card can also be used as a proxy card. In a proxy paymenttransaction—sometimes also referred to as a cloud-based paymenttransaction—a proxy card or information is presented to a point-of-sale(POS) terminal The proxy card or information is not specifically tied toany one account. Instead, a proxy card server securely stores andsynchronizes all of a user's card account information. When the proxycard or information is presented to the POS terminal, the POS terminalcommunicates, directly or indirectly, with the proxy card server tocomplete the transaction using the user's card account information. Somecurrent systems exist, but suffer from certain obstacles. For example,one system allows a user to enter a PIN number and a mobile phone numberat a POS terminal The POS terminal communicates the phone number and PINto a proxy card server to complete the payment transaction. However,this system suffers in that it is not difficult for a person to overseea user entering a PIN and phone number and use those same credentials infraudulent transactions. In another example, a payment system allows auser's mobile phone to communicate proxy information to a POS terminalvia an NFC connection (contactless payment). However, wide adoption ofthis system is difficult as most POS terminals have not been upgraded toenable a mobile phone to communicate with a contactless POS terminal viaNFC. Another disadvantage is that storage of sensitive proxy cardinformation on the mobile device may require access to a secure elementon mobile device. As described above, access to a secure element on themobile device may require contracts with device manufacturers, wirelesscarriers, and the like. Using a universal card as a proxy card canovercome a number of deficiencies with current systems, as is describedin greater detail below.

Referring now to FIG. 22, depicted is a system and method of using auniversal card as a proxy card. The system includes a proxy card server2210, a mobile device 2220, a universal card 2230, a POS terminal 2240,and a card processing center 2250. The proxy card server 2210 can belocated remotely from the mobile device 2220 and the card processingcenter 2250, and communication between the proxy card server 2210 andeach of the mobile device 2220 and the card processing center 2250 canbe done by one or more communication networks, such as the internet,cellular telephone networks, Wi-Fi networks, wired communicationnetworks, and the like. Similarly, the POS terminal 2240 and the cardprocessing center 2250 can be located remotely from each other andcommunicate via one or more communication networks.

Mobile device 2220 can store indications of a proxy card and any numberof the user's card accounts that are stored by proxy card server 2210.The indications stored by the mobile device 2220 can be non-secure dataso that use of a secure element on the mobile device 2220 is notrequired. For example, proxy card server 2210 may store informationabout several of the user's credit cards and the mobile device may storea nickname, the last four digits, and the expiration date of each of thecredit cards. Such non-secure data can enable a user to make a selectionof one of the card accounts that are stored by proxy card server 2210without having to store secure card data on the mobile device.

A user can make a selection on the mobile device 2220 to complete atransaction using the universal card 2230 as a proxy card and aselection of the card account that will be used in the transaction. Themobile device 2220 can send 2261 proxy card data, including anindication of the proxy card and an indication of the selected cardaccount, to the proxy card server 2210. The proxy card server 2210 canreturn 2262 an acknowledgement that the proxy card data was received.The mobile device 2220 can also transmit 2263 proxy card data, includingan indication of the proxy card and an indication of the selected cardaccount, to the universal card 2230. The mobile device 2220 and theuniversal card 2230 can be connected by way of a short rangecommunication link, such as an NFC link or a Bluetooth link. The mobiledevice 2220 and/or the universal card 2230 can include a secure elementthat stores the data necessary to configure a dynamic data communicationmechanism, such as a dynamic magnetic stripe, to pass the proxy carddata to POS terminal 2240. Configuring the dynamic data communicationmechanism can include writing the proxy card data to required fields ofthe dynamic data communication mechanism and writing an indication ofthe selected card account to a discretionary data field of the dynamicdata communication mechanism. During a transaction, the proxy card dataand the indication of the selected card can be passed 2264 from theuniversal card 2230 to the POS terminal 2240, such as when the universalcard 2230 is swiped through POS terminal 2240 during a magnetic stripetransaction or when the universal card 2230 is tapped to the POSterminal 2240 during a contactless transaction or when the universalcard 2230 is input to the POS terminal 2240 during a EMV transaction.

After receiving the proxy card data and the indication of the selectedcard, the POS terminal 2240 can send 2265 the proxy card data, theindication of the selected card, and transaction data to the cardprocessing center 2250. The transaction data can include the totalamount of the transaction to be processed. The card processing center2250 can send a request 2266 for the proxy card server 2210 toauthenticate the proxy card data and the indication of the selectedcard. After the proxy card server 2210 authenticates the proxy card dataand the indication of the selected card, the proxy card server 2210 cansend 2267 a response to the card processing center 2250. The cardprocessing center 2250 can then charge the user's selected account forthe total amount and send 2268 a confirmation message to the POSterminal 2240 that the amount was charged. Optionally, the proxy cardserver 2210 can track the purchases made by the user, including theamounts charged to each of the user's card accounts.

Referring now to FIG. 23, depicted is another embodiment of a system andmethod of using a universal card as a proxy card. The system includes aproxy card server 2310, a mobile device 2320, a universal card 2330, aPOS terminal 2340, and a card processing center 2350. A user can make aselection on the mobile device 2320 to complete a transaction using theuniversal card 2330 as a proxy card and a selection of the card accountthat will be used in the transaction. The mobile device 2220 can send2361 proxy card data, including an indication of the proxy card and anindication of the selected card account, to the proxy card server 2210.However, in the embodiment depicted in FIG. 23, the mobile device 2320may not be able to connect to proxy card server 2310 or proxy cardserver 2310 may be unable to respond.

When mobile device 2320 does not receive a response from proxy cardserver 2310, it can prompt the user to enter a security code, such as aPIN or a password. The mobile device 2320 can transmit 2362 the securitycode and the proxy card data, including an indication of the proxy cardand an indication of the selected card account, to the universal card2330. The mobile device 2320 and the universal card 2330 can beconnected by way of a short range communication link, such as an NFClink or a Bluetooth link. The mobile device 2320 and/or the universalcard 2330 can include a secure element that stores the data necessary toconfigure a dynamic data communication mechanism, such as a dynamicmagnetic stripe, to pass the proxy card data to POS terminal 2340.Configuring the dynamic data communication mechanism can include writingthe proxy card data to required fields of the dynamic data communicationmechanism and writing an indication of the selected card account and thesecurity code to discretionary data fields of the dynamic datacommunication mechanism. During a transaction, the proxy card data, theindication of the selected card, and the security code can be passed2363 from the universal card 2330 to the POS terminal 2340, such as whenthe universal card 2330 is swiped through POS terminal 2340 during amagnetic stripe transaction or when the universal card 2330 is tapped tothe POS terminal 2340 during a contactless transaction or when theuniversal card 2230 is input to the POS terminal 2240 during a EMVtransaction.

After receiving the proxy card data, the indication of the selectedcard, and the security code, the POS terminal 2340 can send 2364 theproxy card data, the indication of the selected card, the security code,and transaction data to the card processing center 2350. The transactiondata can include the total amount of the transaction to be processed.The card processing center 2350 can send a request 2365 for the proxycard server 2310 to authenticate the proxy card data, the indication ofthe selected card, and the security code. After the proxy card server2310 authenticates the proxy card data, the indication of the selectedcard, and the security code, the proxy card server 2310 can send 2366 aresponse to the card processing center 2350. The card processing center2350 can then charge the user's selected account for the total amountand send 2367 a confirmation message to the POS terminal 2340 that theamount was charged. Optionally, the proxy card server 2310 can track thepurchases made by the user, including the amounts charged to each of theuser's card accounts.

Referring now to FIG. 24, depicted is an embodiment of a method of usinga universal card in a proxy card transaction. As block 2401, a user canuse a mobile device to select a proxy card transaction using a universalcard and to select an account for the proxy card transaction. In oneembodiment, the user uses an e-wallet application on the mobile deviceto make the appropriate selection(s). At block 2402, the mobile devicesends an indication of the proxy card and the selected account to aproxy card server. At block 2403, the mobile device determines whetheran acknowledgement was received from the proxy card server. If anacknowledgement was received from the proxy card server then, at block2404, the mobile device generates proxy card data, including indicationsof the proxy card and the selected account. If an acknowledgement wasnot received from the proxy card server then, at block 2405, the mobiledevice prompts the user for a security code and, at block 2406, themobile device generates proxy card data, including the security code andindications of the proxy card and the selected account.

Regardless of whether an acknowledgement was received from the proxycard server, at block 2407, the mobile device can send the proxy carddata to the universal card. At block 2408, the universal card can passthe proxy card data to the POS terminal. In one embodiment, passing theproxy card data to the POS terminal includes the universal card writingdata associated with the proxy card to required fields of a dynamicmagnetic stripe, writing an indication of the selected account to adiscretionary data field of the dynamic magnetic stripe, and,optionally, writing the security code to a discretionary data field ofthe dynamic magnetic stripe. In another embodiment, passing the proxycard data to the POS terminal includes the universal card passing theproxy card data to the POS terminal via an NFC communication link. Inanother embodiment, passing the proxy card data to the POS terminalincludes the universal card passing the proxy card data to the POSterminal via an EMV chip on the surface of the universal card. At block2409, the POS terminal transmits transaction information and the proxycard data to a card processing system. At block 2410, the proxy carddata received by the card processing system is verified. In oneembodiment, the card processing system sends the proxy card data to theproxy card server and the proxy card server compares the proxy card datareceived from the card processing system to the proxy card data receivedfrom the mobile device. In another embodiment, the card processingsystem sends the proxy card data to the proxy card server and the proxycard server verifies a security code in the proxy card data. At block2411, the card processing system sends an authorization to the POSterminal to complete the transaction.

The use of a universal card as a proxy card has a number of benefits. Auniversal card that has a dynamic magnetic stripe can be accepted at amuch greater number of POS terminals than those systems which relysolely on NFC-enabled contactless POS terminals. If a user's universalcard is ever stolen or becomes lost, the user can store any card data,such as magnetic stripe card data, NFC/RFID card data, and EMV carddata, required for the universal card to emulate a traditional card or aproxy card. In addition, the use of a universal card as a proxy card ismore secure than a traditional proxy card. In one embodiment, if theuniversal card is ever lost or stolen, the universal card could bedisabled. A universal card could be disabled by the proxy card server bythe proxy card server recognizing any of the discretionary data providedby the universal card in a proxy card transaction and not authorizingthose transactions. The disabling of the universal card could beinitiated by the user contacting a proxy card server using a mobiledevice. Even if the universal card is disabled, the user could continueto make proxy card transactions using the mobile device at NFC-enabledcontactless POS terminals.

The universal card can be configured such that the proxy card and adefault selected account are a default card unless programmed otherwise.In the default mode, the information of the default card is stored inthe secure element of the universal card and the universal card isalways configured to emulate the proxy card with the default selectedaccount, unless the user sends new instructions to the universal card totemporarily emulate another card or to change to a new default card.

Proxy cards and their associated selectable accounts can be provisionedin a number of ways. In one embodiment, data associated with a proxycard and any selectable accounts can be added to a secure element of theuniversal card before the universal card is first provided to the user.In this way, no proxy card data or selectable account data needs betransmitted to the universal card. In another embodiment, the user mayswipe any card the user wishes to add into an encrypting card reader. Asdescribed in greater detail above, the encrypted card data can be storedin the mobile device, transmitted to the universal card, and decryptedin the universal card's secure element. After decryption, non-securecard data can be transmitted back to the mobile device. In anotherembodiment, as discussed in more detail above, a service provider cantransmit encrypted card data to the mobile device, and the encryptedcard data can be stored in the mobile device, transmitted to theuniversal card, and decrypted in the universal card's secure element.After decryption, non-secure card data can be transmitted back to themobile device. In another embodiment, a proxy card server can transmitencrypted card data to the mobile device, and the encrypted card datacan be stored in the mobile device, transmitted to the universal card,and decrypted in the universal card's secure element. After decryption,non-secure card data can be transmitted back to the mobile device. Inyet another embodiment, the user can manually enter card data into themobile device. The manually entered card data can be transmitted to theuniversal card and stored in the secure element of the universal card.

The above includes descriptions of a mobile device and a universal card.A mobile device can be any computing device, such as a mobile phone, aPersonal Digital Assistants (PDA), an iPod, an MP3 player, a tabletcomputer, a laptop computer, a personal computer and similar mobiledevices. Any of these mobile devices can have short range communicationmechanisms, such as a NFC transceiver or a Bluetooth transceiver, whichpermits the mobile device to communicate with a universal card.

The various techniques described herein may be implemented with hardwareor software or, where appropriate, with a combination of both. Thus, themethods and apparatus of the disclosed embodiments, or certain aspectsor portions thereof, may take the form of program code (i.e.,instructions) embodied in tangible media, such as floppy diskettes,CD-ROMs, hard drives, or any other machine-readable storage medium. Whenthe program code is loaded into and executed by a machine, such as acomputer, the machine becomes an apparatus for practicing the disclosedembodiments. In the case of program code execution on programmablecomputers, the computer will generally include a processor, a storagemedium readable by the processor (including volatile and non-volatilememory and/or storage elements), at least one input device and at leastone output device. One or more programs are preferably implemented in ahigh level procedural or object oriented programming language tocommunicate with a computer system. However, the program(s) can beimplemented in assembly or machine language, if desired. In any case,the language may be a compiled or interpreted language, and combinedwith hardware implementations.

The foregoing description has set forth various embodiments of theapparatus and methods via the use of diagrams and examples. While thepresent disclosure has been described in connection with the preferredembodiments of the various figures, it is to be understood that othersimilar embodiments may be used or modifications and additions may bemade to the described embodiment for performing the same function of thepresent disclosure without deviating there from. Therefore, the presentdisclosure should not be limited to any single embodiment, but ratherconstrued in breadth and scope in accordance with the appended claims.Additional features of this disclosure are set forth in the followingclaims.

What is claimed:
 1. A method of using a universal card in a proxy card transaction, the method comprising: receiving, by a computing device, a request to use a universal card as a proxy card and a selection of a selected account, wherein the computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element; generating, by the computing device, proxy card data comprising an indication of the proxy card and an indication of the selected account; transmitting, from the computing device to a proxy card server, the proxy card data; transmitting, from the computing device to the universal card using the first and second short range transceivers, the proxy card data; and emulating a static data communication mechanism of a proxy card by configuring the dynamic data communication mechanism of the universal card using at least a portion of data stored in the secure element; wherein the static data communication mechanism of the proxy card is emulated by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe; and wherein the dynamic data communication mechanism of the universal card passes data indicative of the proxy card and the selected account to a terminal during a transaction with the terminal.
 2. The method of claim 1, further comprising: receiving, by the computing device from the proxy card server, an acknowledgment that the proxy card server received the proxy card data; wherein the computing device is configured to send the proxy card data to the universal card in response to receiving the acknowledgment.
 3. The method of claim 1, further comprising: determining that the computing device did not receive an acknowledgement from the proxy card server; and prompting a user for a security code; wherein transmitting the proxy card data to the universal card comprises transmitting the proxy card data and the security code to the universal card.
 4. The method of claim 1, wherein the universal card is further configured to configure the dynamic data communication mechanism of the universal card to emulate a static data communication mechanism of a proxy card by writing an indication of a security code to the one or more discretionary data field of the dynamic magnetic stripe.
 5. The method of claim 1, wherein the dynamic data communication mechanism further comprises one or more of a near field communication mechanism, a radio frequency identification communication mechanism, or an EMV communication mechanism.
 6. A non-transitory computer readable medium having instructions embodied thereon for initiating a proxy card transaction, the instructions, when executed by a computing device, cause the computing device to: receive, by the computing device, a request to use a universal card as a proxy card and a selection of a selected account, wherein the computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element; generate, by the computing device, proxy card data comprising an indication of the proxy card and an indication of the selected account; transmit, from the computing device to a proxy card server, the proxy card data; transmit, from the computing device to the universal card using the first and second short range transceivers, the proxy card data; and emulate a static data communication mechanism of a proxy card by configuring the dynamic data communication mechanism of the universal card using at least a portion of data stored in the secure element; wherein the static data communication mechanism of the proxy card is emulated by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe; and wherein the dynamic data communication mechanism of the universal card passes data indicative of the proxy card and the selected account to a terminal during a transaction with the terminal.
 7. The non-transitory computer readable medium of claim 6, the instructions further comprising instructions to cause the computing device to: receive, by the computing device from the proxy card server, an acknowledgment that the proxy card server received the proxy card data; wherein the computing device transmits the proxy card data to the universal card in response to receiving the acknowledgment.
 8. The non-transitory computer readable medium of claim 6, the instructions further comprising instructions to cause the computing device to: determine that the computing device did not receive an acknowledgement from the proxy card server; and prompt a user for a security code; wherein the instructions further cause the computing device to transmit the proxy card data and the security code to the universal card.
 9. The non-transitory computer readable medium of claim 6, wherein the static data communication mechanism of the proxy card is emulated by writing an indication of a security code to the one or more discretionary data field of the dynamic magnetic stripe.
 10. The non-transitory computer readable medium of claim 6, wherein the dynamic data communication mechanism further comprises one or more of a near field communication mechanism, a radio frequency identification communication mechanism, or an EMV communication mechanism.
 11. A computing device comprising: a short range transceiver; an user interface; and a computer readable medium having instructions embodied thereon that, when executed by the computing device, cause the computing device to: receive, via the user interface, a request to use a universal card as a proxy card and a selection of a selected account, generate proxy card data comprising an indication of the proxy card and an indication of the selected account, transmit, to a proxy card server, the proxy card data, and transmit, to the universal card via the short range transceiver, the proxy card data, wherein the universal card comprises a dynamic data communication mechanism and a secure element, and wherein the dynamic data communication mechanism of the universal card emulates a static data communication mechanism of a proxy card using at least a portion of data stored in the secure element; wherein the dynamic data communication mechanism of the universal card passes data indicative of the proxy card and the selected account to a terminal during a transaction with the terminal.
 12. The computing device of claim 11, the instructions further comprising instructions that, when executed by the computing device, cause the computing device to: receive, from the proxy card server, an acknowledgment that the proxy card server received the proxy card data; wherein the computing device is configured to transmit the proxy card data to the universal card in response to receiving the acknowledgment.
 13. The computing device of claim 11, the instructions further comprising instructions that, when executed by the computing device, cause the computing device to: determine that the computing device did not receive an acknowledgement from the proxy card server; and prompt a user for a security code; wherein the instructions to transmit the proxy card data to the universal card comprise instructions to transmit the proxy card data and the security code to the universal card.
 14. The computing device of claim 11, wherein the dynamic data communication mechanism comprises a dynamic magnetic stripe.
 15. The computing device of claim 14, wherein the universal card is configured to configure a dynamic data communication mechanism of the universal card to emulate a static data communication mechanism of a proxy card by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe.
 16. The computing device of claim 15, wherein the universal card is further configured to configure a dynamic data communication mechanism of the universal card to emulate a static data communication mechanism of a proxy card by writing an indication of a security code to the one or more discretionary data field of the dynamic magnetic stripe.
 17. The computing device of claim 11, wherein the dynamic data communication mechanism comprises one or more of a near field communication mechanism, a radio frequency identification communication mechanism, or an EMV communication mechanism.
 18. A method of disabling a universal card from being used as a proxy card, the method comprising: receiving, by a proxy card server from a first computing device, a request to disable a universal card from being used as a proxy card, wherein the first computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element; and wherein the dynamic data communication mechanism emulates a static data communication mechanism of a proxy card by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe; receiving, by the proxy card server from a second computing device, a request to authorize a first payment transaction, wherein the request to authorize the first payment transaction comprises data passed from a dynamic data communication mechanism of the universal card to a terminal during the first payment transaction; determining, by the proxy card server, that the data in the request to authorize the first payment transaction is associated with the universal card; and transmitting, from the proxy card server to the second computing device, an indication that the first payment transaction is unauthorized.
 19. The method of claim 18, wherein the terminal comprises the second computing device.
 20. The method of claim 18, wherein a card processing center comprises the second computing device.
 21. The method of claim 18, further comprising: receiving, by the proxy card server from the second computing device, a request to authorize a second payment transaction, wherein the request to authorize the second payment transaction comprises data passed from the first computing device to the terminal during the second payment transaction; determining, by the proxy card server, that the data in the request to authorize the second payment transaction is not associated with the universal card; and transmitting, from the proxy card server to the second computing device, an indication that the second payment transaction is authorized.
 22. A non-transitory computer readable medium having instructions embodied thereon for disabling a universal card from being used as a proxy card, the instructions, when executed by a proxy card server, cause the proxy card server to: receive, by the proxy card server from a first computing device, a request to disable a universal card from being used as a proxy card; wherein the first computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element; and wherein the universal card is configured to configure the dynamic data communication mechanism to emulate a static data communication mechanism of a proxy card by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe; receive, by the proxy card server from a second computing device, a request to authorize a first payment transaction, wherein the request to authorize the first payment transaction comprises data passed from a dynamic data communication mechanism of the universal card to a terminal during the first payment transaction; determine, by the proxy card server, that the data in the request to authorize the first payment transaction is associated with the universal card; and transmit, from the proxy card server to the second computing device, an indication that the first payment transaction is unauthorized.
 23. The non-transitory computer readable medium of claim 22, wherein the terminal comprises the second computing device.
 24. The non-transitory computer readable medium of claim 22, wherein a card processing center comprises the second computing device.
 25. The non-transitory computer readable medium of claim 22, the instructions further comprising: instructions to receive, by the proxy card server from the second computing device, a request to authorize a second payment transaction, wherein the request to authorize the second payment transaction comprises data passed from the first computing device to the terminal during the second payment transaction; instructions to determine, by the proxy card server, that the data in the request to authorize the second payment transaction is not associated with the universal card; and instructions to transmit, from the proxy card server to the second computing device, an indication that the second payment transaction is authorized.
 26. A computing system comprising: a communication mechanism configured to communicate with a first computing device and a second computing device via one or more networks; and a computer readable medium having instructions embodied thereon that, when executed by the computing device, cause the computing device to: receive, from the first computing device via the communication mechanism, a request to disable a universal card from being used as a proxy card; receive, from the second computing device via the communication mechanism, a request to authorize a first payment transaction, wherein the request to authorize the first payment transaction comprises data passed from a dynamic data communication mechanism of the universal card to a terminal during the first payment transaction; determine, by the computing system, that the data in the request to authorize the first payment transaction is associated with the universal card; and transmit, to the second computing device via the communication mechanism, an indication that the first payment transaction is unauthorized; wherein the first computing device comprises a first processor, a first memory, a first power source, a first user interface, a first short range transceiver, and an e-wallet application executable by the first processor; and wherein the universal card comprises a second power source, a second processor, a second memory, a second short range transceiver, a dynamic data communication mechanism including a dynamic magnetic stripe, and a secure element; and wherein the dynamic data communication mechanism emulates a static data communication mechanism of a proxy card by writing data indicative of the proxy card to one or more required fields of the dynamic magnetic stripe and by writing an indication of the selected account to one or more discretionary data field of the dynamic magnetic stripe.
 27. The computing system of claim 26, wherein the terminal comprises the second computing device.
 28. The computing system of claim 26, wherein a card processing center comprises the second computing device.
 29. The computing system of claim 26, the instructions further comprising instructions that, when executed by the computing device, cause the computing device to: receive, from the second computing device via the communication mechanism, a request to authorize a second payment transaction, wherein the request to authorize the second payment transaction comprises data passed from the first computing device to the terminal during the second payment transaction; determine, by the computing system, that the data in the request to authorize the second payment transaction is not associated with the universal card; and transmit, to the second computing device via the communication mechanism, an indication that the second payment transaction is authorized. 